PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

San Antonio Citizens

San Antonio, FL · Charter 10699

NCUA · 5 branches

Q2 2026

$399.9MAssets
$178.9MLoans
$356.8MShares
$44.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.13%, down 25 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.28% of loans (+13 bps YoY).
  • Capital: net worth / assets of 11.02%, up 67 bps from a year ago.
  • Funding: loans stand at 50.13% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.13%-25 bps YoY

Net Interest Margin (quarter, annualized)

3.61%+11 bps YoY

Efficiency Ratio (quarter, annualized)

72.34%+630 bps YoY

Net Worth / Assets

11.02%+67 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.32%1.09%1.11%1.13%-25 bps
Return on Equity13.36%12.52%10.24%10.35%10.24%-312 bps
Net Interest Margin3.50%3.48%3.38%3.53%3.61%+11 bps
Efficiency Ratio66.04%67.34%72.10%70.42%72.34%+630 bps
Growth
Asset Growth (YoY)6.38%4.94%2.82%1.88%2.91%-346 bps
Loan Growth (YoY)-2.80%-1.98%2.25%11.82%13.69%+1,649 bps
Share Growth (YoY)2.87%3.50%0.35%0.54%1.89%-99 bps
Asset Quality
Delinquent Loans / Loans0.15%0.09%0.26%0.24%0.28%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.35%10.50%10.65%10.69%11.02%+67 bps
Net Worth / Assets10.35%10.50%10.65%10.69%11.02%+67 bps
Liquidity & Funding
Loans / Shares44.93%44.47%46.69%49.19%50.13%+521 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps