San Antonio, TX · Charter 23605
NCUA · 7 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 | 0.79% | 0.74% | 0.72% | 0.91% | 0.98% | 0.92% | 0.90% | 1.23% | +32 bps | |
| Return on Equity | 5.08% | 4.67% | 4.81% | 5.84% | 6.12% | 5.82% | 6.07% | 7.80% | +196 bps | |
| Net Interest Margin | 2.18% | 2.26% | 2.42% | 2.57% | 2.64% | 2.64% | 2.71% | 2.90% | +32 bps | |
| Efficiency Ratio | 69.35% | 70.26% | 69.79% | 65.76% | 64.06% | 64.64% | 64.92% | 59.12% | -664 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.59% | -2.07% | 0.25% | -0.23% | 3.00% | 6.69% | 7.47% | 6.50% | +674 bps | |
| Loan Growth (YoY) | -0.87% | -2.54% | -1.27% | 0.65% | 3.02% | 4.07% | 2.13% | 1.25% | +60 bps | |
| Share Growth (YoY) | 0.01% | 1.79% | 0.42% | 0.20% | 2.71% | 4.98% | 7.40% | 6.53% | +633 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.46% | 0.29% | 0.36% | 0.19% | 0.74% | 0.47% | 0.29% | -7 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 | 15.52% | 15.93% | 15.02% | 15.67% | 15.94% | 15.86% | 14.89% | 15.78% | +11 bps | |
| Net Worth / Assets | 15.52% | 15.93% | 15.02% | 15.67% | 15.94% | 15.86% | 14.89% | 15.78% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.34% | 97.53% | 91.75% | 96.98% | 98.64% | 96.69% | 87.24% | 92.17% | -481 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |