San Angelo, TX · Charter 8715
NCUA · 11 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 | 1.18% | 1.08% | 1.17% | 1.07% | 1.00% | 0.91% | 1.29% | 1.14% | +7 bps | |
| Return on Equity | 8.86% | 7.99% | 8.83% | 8.11% | 7.39% | 6.62% | 9.46% | 8.40% | +29 bps | |
| Net Interest Margin | 3.96% | 3.99% | 3.85% | 3.93% | 4.01% | 4.01% | 3.84% | 3.92% | -2 bps | |
| Efficiency Ratio | 65.97% | 68.40% | 66.68% | 72.75% | 75.84% | 76.88% | 74.49% | 78.09% | +534 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.19% | 3.86% | 5.82% | 4.01% | 2.86% | 2.73% | 2.26% | 2.16% | -185 bps | |
| Loan Growth (YoY) | -1.52% | -1.75% | -2.18% | -1.72% | 1.95% | 0.84% | -0.24% | -0.47% | +124 bps | |
| Share Growth (YoY) | 5.06% | 5.64% | 7.36% | 5.04% | 3.00% | 1.70% | 1.22% | 1.58% | -347 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.17% | 2.31% | 2.15% | 2.08% | 3.19% | 3.83% | 4.85% | 3.73% | +165 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 | 13.27% | 13.46% | 13.24% | 13.23% | 13.58% | 13.75% | 13.61% | 13.63% | +40 bps | |
| Net Worth / Assets | 13.27% | 13.46% | 13.24% | 13.23% | 13.58% | 13.75% | 13.61% | 13.63% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.60% | 80.72% | 77.19% | 78.12% | 80.76% | 80.04% | 76.07% | 76.54% | -158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |