San Antonio, TX · Charter 23184
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 | 0.17% | 0.01% | 0.10% | -0.51% | -0.23% | 0.04% | 3.05% | 1.97% | +248 bps | |
| Return on Equity | 1.11% | 0.07% | 0.71% | -3.41% | -1.47% | 0.25% | 18.99% | 12.50% | +1,591 bps | |
| Net Interest Margin | 4.34% | 4.33% | 4.16% | 4.38% | 4.52% | 4.73% | 4.69% | 4.45% | +6 bps | |
| Efficiency Ratio | 96.91% | 99.82% | 98.04% | 109.29% | 104.07% | 103.66% | 61.89% | 70.12% | -3,917 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.51% | -4.82% | -9.87% | -9.62% | -9.35% | -11.81% | -8.57% | -1.48% | +813 bps | |
| Loan Growth (YoY) | -4.87% | -8.58% | -10.49% | -15.52% | -16.23% | -10.21% | -7.45% | -8.55% | +697 bps | |
| Share Growth (YoY) | -4.17% | -5.48% | -11.16% | -10.01% | -9.83% | -13.58% | -10.24% | -4.65% | +536 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 3.88% | 0.14% | 0.55% | 0.26% | 0.65% | 0.47% | 0.08% | -47 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 | 15.04% | 14.39% | 14.72% | 15.01% | 15.48% | 15.53% | 16.07% | 15.73% | +73 bps | |
| Net Worth / Assets | 15.04% | 14.39% | 14.72% | 15.01% | 15.48% | 15.53% | 16.07% | 15.73% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.01% | 99.37% | 96.89% | 100.32% | 95.69% | 103.24% | 99.90% | 96.22% | -410 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |