Kermit, TX · Charter 67915
NCUA · 5 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.31% | 2.28% | 2.08% | 2.21% | 2.23% | 2.20% | 2.17% | 2.55% | +35 bps | |
| Return on Equity | 16.53% | 16.21% | 14.89% | 15.81% | 15.41% | 15.12% | 14.90% | 16.54% | +73 bps | |
| Net Interest Margin | 3.75% | 3.68% | 3.86% | 3.85% | 3.93% | 3.87% | 4.02% | 4.12% | +27 bps | |
| Efficiency Ratio | 61.37% | 60.52% | 60.82% | 58.90% | 58.64% | 58.24% | 60.95% | 57.28% | -163 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.63% | 7.29% | 6.21% | 11.85% | 14.00% | 13.79% | 12.87% | 6.93% | -492 bps | |
| Loan Growth (YoY) | 13.72% | 14.05% | 10.20% | 7.01% | 8.22% | 8.39% | 9.40% | 6.12% | -89 bps | |
| Share Growth (YoY) | 7.74% | 4.91% | 4.39% | 10.67% | 13.04% | 12.78% | 11.78% | 4.74% | -593 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.76% | 0.59% | 0.84% | 0.74% | 1.13% | 0.71% | 0.63% | -21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.95% | 14.08% | 13.97% | 13.96% | 14.47% | 14.58% | 14.59% | 15.44% | +148 bps | |
| Net Worth / Assets | 13.95% | 14.08% | 13.97% | 13.96% | 14.47% | 14.58% | 14.59% | 15.44% | +148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.09% | 62.64% | 60.11% | 58.51% | 60.39% | 60.20% | 58.83% | 59.29% | +77 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |