San Antonio, TX · Charter 11065
NCUA · 72 branches
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 | 0.46% | 0.50% | 0.56% | 0.54% | 0.53% | +7 bps | |
| Return on Equity | 4.27% | 4.59% | 5.12% | 4.92% | 4.81% | +53 bps | |
| Net Interest Margin | 2.84% | 2.87% | 2.89% | 2.95% | 2.97% | +12 bps | |
| Efficiency Ratio | 78.94% | 79.02% | 78.56% | 82.44% | 81.60% | +266 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.88% | 3.64% | 3.46% | 0.99% | 2.45% | -144 bps | |
| Loan Growth (YoY) | 5.38% | 5.14% | 2.68% | -1.48% | -4.25% | -963 bps | |
| Share Growth (YoY) | 6.33% | 6.01% | 5.72% | 4.53% | 3.14% | -319 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.78% | 0.92% | 1.04% | 0.81% | 1.03% | +24 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 | 10.88% | 10.92% | 10.95% | 11.07% | 11.08% | +21 bps | |
| Net Worth / Assets | 10.88% | 10.92% | 10.95% | 11.07% | 11.08% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 109.72% | 108.12% | 105.85% | 102.57% | 101.87% | -786 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |