Friona, TX · Charter 9843
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.29% | -0.77% | -2.69% | -5.06% | -3.03% | -74 bps | |
| Return on Equity | -13.13% | -4.40% | -14.41% | -34.57% | -20.60% | -747 bps | |
| Net Interest Margin | 3.44% | 3.20% | 2.91% | 2.21% | 2.28% | -116 bps | |
| Efficiency Ratio | 104.63% | 109.08% | 119.06% | 124.74% | 127.62% | +2,299 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.86% | -0.10% | 3.67% | -4.43% | -5.55% | -369 bps | |
| Loan Growth (YoY) | -17.95% | -21.44% | -20.73% | -20.19% | -17.35% | +60 bps | |
| Share Growth (YoY) | -1.46% | 0.38% | 1.75% | -2.13% | -2.77% | -130 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 13.57% | 13.19% | 11.20% | 11.68% | 12.40% | -116 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.43% | 17.58% | 18.69% | 14.64% | 14.70% | -273 bps | |
| Net Worth / Assets | 17.43% | 17.58% | 18.69% | 14.64% | 14.70% | -273 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.10% | 43.16% | 40.47% | 38.64% | 39.18% | -691 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |