Killeen, TX · Charter 11995
NCUA · 1 branch
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 | 1.09% | 1.08% | 0.91% | 0.86% | 0.83% | -26 bps | |
| Return on Equity | 10.32% | 10.12% | 8.28% | 7.81% | 7.36% | -296 bps | |
| Net Interest Margin | 3.81% | 3.71% | 3.81% | 3.76% | 3.80% | -1 bps | |
| Efficiency Ratio | 71.68% | 72.60% | 76.73% | 76.35% | 78.98% | +730 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.63% | 6.58% | 5.69% | 3.13% | 0.62% | -501 bps | |
| Loan Growth (YoY) | 0.22% | -5.24% | -14.57% | -16.72% | -8.92% | -914 bps | |
| Share Growth (YoY) | 4.68% | 5.96% | 5.29% | 2.59% | -0.16% | -485 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.05% | 0.00% | 0.00% | 0.08% | 0.00% | -5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.37% | 0.35% | 0.48% | 0.40% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.59% | 10.63% | 10.96% | 10.96% | 11.30% | +71 bps | |
| Net Worth / Assets | 10.59% | 10.63% | 10.96% | 10.96% | 11.30% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.98% | 26.70% | 27.46% | 26.81% | 26.44% | -254 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |