San Antonio, TX · Charter 10913
NCUA · 2 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 | 0.86% | 0.80% | 0.92% | 0.97% | 1.07% | 1.01% | 0.91% | 1.16% | +19 bps | |
| Return on Equity | 8.09% | 7.66% | 8.89% | 9.06% | 9.83% | 9.01% | 7.97% | 10.07% | +101 bps | |
| Net Interest Margin | 3.43% | 3.37% | 3.57% | 3.65% | 3.71% | 3.86% | 4.08% | 4.07% | +42 bps | |
| Efficiency Ratio | 77.40% | 75.78% | 76.87% | 74.81% | 72.39% | 72.30% | 67.03% | 67.81% | -700 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.55% | 0.81% | 4.36% | 3.63% | 6.46% | 1.94% | -0.80% | 1.93% | -170 bps | |
| Loan Growth (YoY) | -0.63% | 8.33% | 7.86% | 6.20% | 7.36% | 0.07% | -1.22% | -0.29% | -649 bps | |
| Share Growth (YoY) | -4.41% | -0.26% | 2.70% | 2.36% | 5.84% | 0.32% | -2.11% | 0.46% | -190 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.31% | 0.67% | 0.34% | 0.52% | 0.63% | 0.35% | 0.50% | +15 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 | 10.61% | 10.43% | 10.36% | 10.70% | 10.90% | 11.21% | 11.40% | 11.55% | +85 bps | |
| Net Worth / Assets | 10.61% | 10.43% | 10.36% | 10.70% | 10.90% | 11.21% | 11.40% | 11.55% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.02% | 55.74% | 52.85% | 54.59% | 54.79% | 55.59% | 53.33% | 54.18% | -41 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |