PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

The People's

Amarillo, TX · Charter 8290

NCUA · 5 branches

Q2 2026

$229.0MAssets
$145.1MLoans
$210.1MShares
$20.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.52%, unchanged from a year ago; NIM at 3.79%.
  • Asset quality: problem loans at 1.15% of loans (-29 bps YoY).
  • Capital: net worth / assets of 8.79%, down 23 bps from a year ago.
  • Funding: loans stand at 69.07% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.52%0 bps YoY

Net Interest Margin (quarter, annualized)

3.79%+6 bps YoY

Efficiency Ratio (quarter, annualized)

83.21%+177 bps YoY

Net Worth / Assets

8.79%-23 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.46%0.38%0.42%0.52%0 bps
Return on Equity5.68%5.07%4.30%4.82%5.88%+20 bps
Net Interest Margin3.73%3.73%3.70%3.80%3.79%+6 bps
Efficiency Ratio81.44%82.86%83.95%83.92%83.21%+177 bps
Growth
Asset Growth (YoY)3.27%3.59%5.16%4.30%5.97%+269 bps
Loan Growth (YoY)4.90%3.13%10.88%9.86%5.11%+21 bps
Share Growth (YoY)2.02%3.05%4.22%3.63%5.92%+391 bps
Asset Quality
Delinquent Loans / Loans1.44%1.58%1.27%1.17%1.15%-29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.02%9.03%8.83%8.80%8.79%-23 bps
Net Worth / Assets9.02%9.03%8.83%8.80%8.79%-23 bps
Liquidity & Funding
Loans / Shares69.60%68.30%72.90%68.74%69.07%-54 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps