Austin, TX · Charter 4584
NCUA · 24 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 | 0.65% | 0.61% | 0.47% | 0.50% | 0.47% | 0.50% | 0.57% | 0.60% | +9 bps | |
| Return on Equity | 4.89% | 4.52% | 3.46% | 3.71% | 3.43% | 3.69% | 4.13% | 4.24% | +53 bps | |
| Net Interest Margin | 1.70% | 1.74% | 1.90% | 1.96% | 2.01% | 2.05% | 2.16% | 2.24% | +29 bps | |
| Efficiency Ratio | 64.36% | 66.76% | 75.22% | 74.12% | 73.03% | 72.57% | 76.11% | 75.34% | +122 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.29% | 1.73% | 3.21% | 2.85% | 1.07% | 1.32% | 0.89% | -0.28% | -313 bps | |
| Loan Growth (YoY) | -0.72% | 0.92% | 3.75% | 5.25% | 4.24% | 2.11% | 0.59% | 5.96% | +71 bps | |
| Share Growth (YoY) | -5.85% | 1.71% | 8.23% | 9.78% | 7.73% | 3.18% | -0.84% | -2.32% | -1,210 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.64% | 0.42% | 0.41% | 0.42% | 0.50% | 0.37% | 0.35% | -6 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 | 13.29% | 13.37% | 13.47% | 13.50% | 13.57% | 13.66% | 13.84% | 14.04% | +55 bps | |
| Net Worth / Assets | 13.29% | 13.37% | 13.47% | 13.50% | 13.57% | 13.66% | 13.84% | 14.04% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.69% | 82.63% | 80.83% | 81.08% | 81.95% | 81.77% | 81.99% | 87.95% | +687 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |