PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

City Public Service/IBEW

San Antonio, TX · Charter 3710

NCUA · 1 branch

Q2 2026

$56.4MAssets
$20.6MLoans
$48.7MShares
$8.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.96%, up 48 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 1.18% of loans (-16 bps YoY).
  • Capital: net worth / assets of 14.86%, up 16 bps from a year ago.
  • Funding: loans stand at 42.29% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.96%+48 bps YoY

Net Interest Margin (YTD, annualized)

3.90%+32 bps YoY

Efficiency Ratio (YTD, annualized)

76.81%-633 bps YoY

Net Worth / Assets

14.86%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.63%0.72%0.87%0.96%+48 bps
Return on Equity3.30%4.25%4.94%5.89%6.47%+317 bps
Net Interest Margin3.58%3.64%3.62%3.88%3.90%+32 bps
Efficiency Ratio83.15%80.71%78.72%77.56%76.81%-633 bps
Growth
Asset Growth (YoY)11.06%9.08%7.47%6.58%5.79%-527 bps
Loan Growth (YoY)0.84%-2.19%-0.79%-3.87%-3.17%-401 bps
Share Growth (YoY)11.45%9.87%6.86%5.60%4.43%-702 bps
Asset Quality
Delinquent Loans / Loans1.35%1.35%1.06%1.49%1.18%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.71%14.71%14.62%14.74%14.86%+16 bps
Net Worth / Assets14.71%14.71%14.62%14.74%14.86%+16 bps
Liquidity & Funding
Loans / Shares45.61%44.55%44.20%42.81%42.29%-332 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps