Waco, TX · Charter 199
NCUA · 3 branches
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 | 0.63% | 0.69% | 0.66% | 0.69% | 0.68% | +5 bps | |
| Return on Equity | 3.96% | 4.35% | 4.13% | 4.29% | 4.16% | +20 bps | |
| Net Interest Margin | 3.12% | 3.12% | 3.12% | 3.08% | 3.19% | +7 bps | |
| Efficiency Ratio | 80.65% | 79.86% | 80.61% | 81.30% | 82.03% | +138 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.40% | 1.78% | 4.85% | 1.36% | 1.65% | +205 bps | |
| Loan Growth (YoY) | -9.64% | -9.61% | -9.84% | -9.59% | -9.85% | -22 bps | |
| Share Growth (YoY) | -0.76% | 1.02% | 3.51% | 0.08% | 0.62% | +138 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.05% | 0.06% | 0.05% | 0.06% | -2 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 | 15.84% | 15.95% | 15.92% | 16.06% | 16.26% | +42 bps | |
| Net Worth / Assets | 15.84% | 15.95% | 15.92% | 16.06% | 16.26% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.68% | 72.54% | 70.18% | 68.79% | 66.90% | -778 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |