Wichita Falls, TX · Charter 68664
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | 0.08% | 0.18% | 0.15% | 0.36% | +50 bps | |
| Return on Equity | -1.73% | 0.96% | 2.10% | 1.83% | 4.30% | +603 bps | |
| Net Interest Margin | 3.54% | 3.65% | 3.74% | 3.61% | 3.65% | +12 bps | |
| Efficiency Ratio | 88.53% | 86.45% | 84.35% | 82.09% | 83.79% | -474 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.12% | -2.25% | 1.25% | -0.91% | -1.99% | +12 bps | |
| Loan Growth (YoY) | -10.83% | -9.30% | -8.50% | -5.54% | -2.39% | +845 bps | |
| Share Growth (YoY) | 2.91% | 2.42% | 0.90% | -1.29% | -2.53% | -543 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 1.11% | 1.67% | 2.64% | 2.69% | +170 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.89% | 8.13% | 8.35% | 8.25% | 8.36% | +47 bps | |
| Net Worth / Assets | 7.89% | 8.13% | 8.35% | 8.25% | 8.36% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.32% | 78.75% | 79.15% | 79.59% | 79.43% | +11 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |