Kerrville, TX · Charter 11576
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20% | 0.18% | -0.06% | -0.30% | 0.07% | -12 bps | |
| Return on Equity | 1.91% | 1.73% | -0.63% | -3.12% | 0.75% | -116 bps | |
| Net Interest Margin | 5.14% | 5.00% | 5.16% | 5.25% | 5.28% | +14 bps | |
| Efficiency Ratio | 90.13% | 92.29% | 93.19% | 100.14% | 94.06% | +392 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.31% | 12.54% | 13.67% | 10.80% | 2.59% | -871 bps | |
| Loan Growth (YoY) | 4.98% | 4.36% | 8.23% | 5.49% | 6.42% | +143 bps | |
| Share Growth (YoY) | 12.45% | 17.61% | 15.43% | 17.32% | 0.47% | -1,198 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.67% | 1.13% | 0.95% | 0.37% | 0.61% | -106 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 | 10.38% | 10.21% | 10.04% | 9.70% | 9.93% | -45 bps | |
| Net Worth / Assets | 10.38% | 10.21% | 10.04% | 9.70% | 9.93% | -45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.62% | 90.02% | 94.53% | 91.37% | 95.98% | +536 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |