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 | |