Amarillo, TX · Charter 8290
NCUA · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
6
Asset Quality
25
Profitability
51
Liquidity
93
Efficiency
46
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Amarillo, TX · Charter 8290
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 | 0.20% | 0.14% | 0.51% | 0.51% | 0.46% | 0.38% | 0.42% | 0.52% | 0 bps | |
| Return on Equity | 2.22% | 1.61% | 5.69% | 5.68% | 5.07% | 4.30% | 4.82% | 5.88% | +20 bps | |
| Net Interest Margin | 3.35% | 3.47% | 3.60% | 3.73% | 3.73% | 3.70% | 3.80% | 3.79% | +6 bps | |
| Efficiency Ratio | 89.09% | 90.22% | 82.64% | 81.44% | 82.86% | 83.95% | 83.92% | 83.21% | +177 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.59% | 2.23% | 3.54% | 3.27% | 3.59% | 5.16% | 4.30% | 5.97% | +269 bps | |
| Loan Growth (YoY) | -4.05% | -0.17% | 0.41% | 4.90% | 3.13% | 10.88% | 9.86% | 5.11% | +21 bps | |
| Share Growth (YoY) | 0.79% | 1.94% | 3.00% | 2.02% | 3.05% | 4.22% | 3.63% | 5.92% | +391 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 1.32% | 1.28% | 1.44% | 1.58% | 1.27% | 1.17% | 1.15% | -29 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 | 9.13% | 9.00% | 8.92% | 9.02% | 9.03% | 8.83% | 8.80% | 8.79% | -23 bps | |
| Net Worth / Assets | 9.13% | 9.00% | 8.92% | 9.02% | 9.03% | 8.83% | 8.80% | 8.79% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.25% | 68.52% | 64.84% | 69.60% | 68.30% | 72.90% | 68.74% | 69.07% | -54 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Amarillo, TX · Charter 8290 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 5 branches
Q2 2026
Return on Assets
0.52%
Rank 126 of 235
Net Interest Margin
3.79%
Rank 130 of 235
Efficiency Ratio
83.21%
Rank 129 of 235
Equity / Assets
8.79%
Rank 220 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.52% | 0.17% | 0.57% | 1.10% | Beats 46% | 126 / 235 | ||
| Return on Equity | 5.88% | 1.03% | 4.30% | 7.58% | Beats 62% | 89 / 235 | ||
| Net Interest Margin | 3.79% | 3.32% | 3.89% | 4.35% | Beats 45% | 130 / 235 | ||
| Efficiency Ratio | 83.21% | 70.60% | 82.00% | 91.57% | Beats 46% | 129 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.15% | 0.20% | 0.59% | 1.14% | Beats 25% | 178 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.79% | 11.30% | 14.41% | 19.49% | Beats 6% | 220 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.79% | 11.30% | 14.41% | 19.49% | Beats 6% | 220 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.07% | 54.18% | 67.38% | 81.66% | 51st pctl | 114 / 235 | ||
| Loans / Assets | 63.37% | 43.80% | 56.63% | 68.64% | 66th pctl | 81 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||