Kerrville, TX · Charter 1558
NCUA · 4 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 | 1.34% | 1.18% | 1.06% | 0.87% | 0.52% | 0.73% | 0.28% | 0.80% | -7 bps | |
| Return on Equity | 11.51% | 10.20% | 9.26% | 7.56% | 4.65% | 6.13% | 2.38% | 6.57% | -99 bps | |
| Net Interest Margin | 4.56% | 4.51% | 4.53% | 4.62% | 4.64% | 4.82% | 4.95% | 5.04% | +42 bps | |
| Efficiency Ratio | 73.11% | 73.79% | 75.14% | 75.30% | 75.24% | 73.17% | 77.31% | 70.36% | -494 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.81% | 8.06% | 10.02% | 9.59% | 8.07% | 3.58% | 1.29% | -0.02% | -961 bps | |
| Loan Growth (YoY) | -0.56% | -1.81% | -2.43% | -1.63% | -3.30% | -4.12% | -1.45% | 0.58% | +221 bps | |
| Share Growth (YoY) | 0.74% | 8.22% | 9.61% | 9.63% | 8.17% | 3.04% | 1.17% | -0.45% | -1,008 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.52% | 0.75% | 0.64% | 0.58% | 0.74% | 0.94% | 1.17% | +53 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 | 11.65% | 11.58% | 11.46% | 11.52% | 11.30% | 11.84% | 11.78% | 12.14% | +63 bps | |
| Net Worth / Assets | 11.65% | 11.58% | 11.46% | 11.52% | 11.30% | 11.84% | 11.78% | 12.14% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.61% | 88.85% | 85.94% | 83.75% | 81.00% | 82.68% | 83.72% | 84.62% | +87 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |