Lubbock, TX · Charter 97103
NCUA · 10 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.91% | 0.88% | 0.97% | 0.96% | 0.91% | 0.76% | 0.72% | -26 bps | |
| Return on Equity | 8.40% | 7.82% | 7.73% | 8.52% | 8.37% | 8.02% | 6.91% | 6.57% | -195 bps | |
| Net Interest Margin | 3.53% | 3.53% | 3.72% | 3.83% | 3.92% | 3.86% | 3.64% | 3.63% | -20 bps | |
| Efficiency Ratio | 76.12% | 75.26% | 74.57% | 72.23% | 73.26% | 74.07% | 76.60% | 78.00% | +577 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.88% | 9.31% | 8.18% | 6.85% | 6.99% | 9.32% | 71.14% | 72.48% | +6,563 bps | |
| Loan Growth (YoY) | 4.65% | 7.07% | 9.45% | 9.79% | 7.99% | 6.74% | 58.63% | 63.25% | +5,346 bps | |
| Share Growth (YoY) | 13.89% | 15.63% | 10.50% | 2.16% | 7.09% | 9.11% | 73.91% | 74.08% | +7,192 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 0.91% | 0.91% | 0.75% | 0.93% | 0.95% | 0.77% | 1.07% | +32 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 | 11.62% | 11.65% | 11.32% | 11.44% | 11.53% | 11.34% | 10.95% | 10.90% | -54 bps | |
| Net Worth / Assets | 11.62% | 11.65% | 11.32% | 11.44% | 11.53% | 11.34% | 10.95% | 10.90% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.56% | 99.46% | 99.27% | 101.97% | 96.36% | 97.30% | 90.55% | 95.63% | -635 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |