San Antonio, TX · Charter 15650
NCUA · 1 branch
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 | 0.80% | 0.99% | 0.76% | 0.78% | 0.86% | 1.04% | 0.93% | 0.95% | +17 bps | |
| Return on Equity | 4.44% | 5.62% | 4.35% | 4.35% | 4.72% | 5.74% | 5.14% | 5.16% | +81 bps | |
| Net Interest Margin | 3.98% | 3.82% | 3.83% | 3.96% | 4.03% | 3.96% | 3.89% | 3.97% | +1 bps | |
| Efficiency Ratio | 83.65% | 80.01% | 82.62% | 82.61% | 81.69% | 78.78% | 80.95% | 79.83% | -278 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.46% | 0.57% | 2.22% | 3.03% | 5.07% | 2.66% | 3.16% | 4.21% | +118 bps | |
| Loan Growth (YoY) | 2.86% | 3.08% | 5.10% | 9.51% | 11.01% | 11.43% | 8.44% | 3.26% | -624 bps | |
| Share Growth (YoY) | -6.62% | -0.44% | 1.93% | 2.93% | 4.35% | 2.11% | 2.62% | 3.75% | +82 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.12% | 0.12% | 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 | 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 | 17.93% | 17.55% | 17.55% | 17.92% | 18.13% | 18.13% | 18.08% | 18.31% | +40 bps | |
| Net Worth / Assets | 17.93% | 17.55% | 17.55% | 17.92% | 18.13% | 18.13% | 18.08% | 18.31% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.81% | 82.86% | 83.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |