San Antonio, TX · Charter 15650
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 | 0.78% | 0.86% | 1.04% | 0.93% | 0.95% | +17 bps | |
| Return on Equity | 4.35% | 4.72% | 5.74% | 5.14% | 5.16% | +81 bps | |
| Net Interest Margin | 3.96% | 4.03% | 3.96% | 3.89% | 3.97% | +1 bps | |
| Efficiency Ratio | 82.61% | 81.69% | 78.78% | 80.95% | 79.83% | -278 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.03% | 5.07% | 2.66% | 3.16% | 4.21% | +118 bps | |
| Loan Growth (YoY) | 9.51% | 11.01% | 11.43% | 8.44% | 3.26% | -624 bps | |
| Share Growth (YoY) | 2.93% | 4.35% | 2.11% | 2.62% | 3.75% | +82 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.07% | 0.18% | 0.24% | 0.14% | 0.19% | +11 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 | 17.92% | 18.13% | 18.13% | 18.08% | 18.31% | +40 bps | |
| Net Worth / Assets | 17.92% | 18.13% | 18.13% | 18.08% | 18.31% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.52% | 92.35% | 90.41% | 87.71% | 88.11% | -41 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |