San Antonio, TX · Charter 3064
NCUA · 3 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 | -0.03% | -0.82% | -0.47% | -0.56% | -1.06% | -1.52% | -0.87% | -1.67% | -111 bps | |
| Return on Equity | -0.19% | -4.81% | -2.80% | -3.35% | -6.39% | -9.51% | -5.64% | -11.07% | -772 bps | |
| Net Interest Margin | 3.49% | 3.43% | 3.14% | 3.18% | 3.22% | 3.18% | 2.83% | 2.84% | -34 bps | |
| Efficiency Ratio | 88.83% | 90.92% | 93.46% | 93.83% | 95.15% | 99.62% | 109.37% | 122.59% | +2,876 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.97% | 1.03% | 1.28% | 0.34% | -2.04% | -2.78% | -2.25% | -2.93% | -327 bps | |
| Loan Growth (YoY) | 0.51% | -5.99% | -9.04% | -12.49% | -15.10% | -16.21% | -17.72% | -18.86% | -637 bps | |
| Share Growth (YoY) | 1.40% | 2.55% | 3.05% | 1.87% | -0.58% | -1.70% | -1.07% | -1.32% | -318 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.34% | 1.46% | 0.81% | 2.28% | 2.54% | 1.15% | 0.90% | 0.83% | -145 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 | 17.81% | 17.01% | 16.67% | 16.63% | 16.58% | 15.98% | 15.46% | 15.08% | -156 bps | |
| Net Worth / Assets | 17.81% | 17.01% | 16.67% | 16.63% | 16.58% | 15.98% | 15.46% | 15.08% | -156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.04% | 97.89% | 93.22% | 90.14% | 88.84% | 83.44% | 77.54% | 74.12% | -1,603 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |