Waco, TX · Charter 10461
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 | -0.13% | -0.05% | 0.01% | 0.13% | 0.16% | +29 bps | |
| Return on Equity | -0.50% | -0.18% | 0.04% | 0.48% | 0.63% | +113 bps | |
| Net Interest Margin | 2.98% | 3.11% | 3.23% | 3.45% | 3.32% | +34 bps | |
| Efficiency Ratio | 103.92% | 99.65% | 97.68% | 93.25% | 93.53% | -1,040 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.41% | -1.97% | -0.64% | -2.57% | 2.55% | +896 bps | |
| Loan Growth (YoY) | 2.84% | 15.62% | 16.43% | 14.71% | 4.64% | +181 bps | |
| Share Growth (YoY) | -8.47% | -2.46% | -0.76% | -3.44% | 3.57% | +1,204 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 0.00% | 0.02% | 0.10% | 0.02% | -28 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 | 26.11% | 26.12% | 26.21% | 26.64% | 25.62% | -49 bps | |
| Net Worth / Assets | 26.11% | 26.12% | 26.21% | 26.64% | 25.62% | -49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.91% | 46.23% | 46.29% | 45.94% | 41.33% | +42 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |