Waco, TX · Charter 11032
NCUA · 3 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 | -0.78% | -0.81% | -0.43% | -0.35% | -0.18% | -0.11% | -0.14% | 0.05% | +39 bps | |
| Return on Equity | -11.73% | -12.18% | -6.08% | -4.96% | -2.56% | -1.59% | -1.88% | 0.61% | +557 bps | |
| Net Interest Margin | 3.30% | 3.45% | 3.66% | 3.77% | 3.86% | 3.87% | 3.96% | 4.00% | +24 bps | |
| Efficiency Ratio | 108.88% | 106.13% | 98.16% | 96.24% | 94.23% | 92.70% | 93.15% | 89.04% | -720 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.23% | -10.77% | -11.08% | -10.34% | -8.02% | -3.91% | -2.90% | -2.28% | +806 bps | |
| Loan Growth (YoY) | -8.87% | -13.52% | -16.30% | -16.69% | -14.15% | -9.65% | -4.62% | -5.36% | +1,133 bps | |
| Share Growth (YoY) | -5.55% | -10.77% | -12.02% | -11.01% | -8.87% | -4.83% | -3.07% | -2.33% | +868 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.63% | 0.40% | 0.79% | 0.71% | 0.61% | 0.32% | 0.86% | +7 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 | 6.65% | 6.64% | 7.03% | 7.04% | 7.15% | 7.24% | 7.37% | 7.43% | +39 bps | |
| Net Worth / Assets | 6.65% | 6.64% | 7.03% | 7.04% | 7.15% | 7.24% | 7.37% | 7.43% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.23% | 84.98% | 83.91% | 82.80% | 82.17% | 80.67% | 82.58% | 80.24% | -257 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |