PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Alamo City

San Antonio, TX · Charter 61267

NCUA · 1 branch

Q2 2026

$8.8MAssets
$6.4MLoans
$8.3MShares
$452KNet 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 0.42%, up 631 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 3.04% of loans (-36 bps YoY).
  • Capital: net worth / assets of 5.16%, down 149 bps from a year ago.
  • Funding: loans stand at 76.87% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.42%+631 bps YoY

Net Interest Margin (quarter, annualized)

3.65%+14 bps YoY

Efficiency Ratio (quarter, annualized)

122.39%-904 bps YoY

Net Worth / Assets

5.16%-149 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-5.89%-4.83%-5.65%0.00%0.42%+631 bps
Return on Equity-88.56%-78.41%-127.21%-0.02%8.21%+9,677 bps
Net Interest Margin3.50%3.31%3.24%3.46%3.65%+14 bps
Efficiency Ratio131.43%135.71%137.94%100.02%122.39%-904 bps
Growth
Asset Growth (YoY)-9.87%-10.67%-9.64%-13.12%-14.73%-486 bps
Loan Growth (YoY)-17.80%-17.04%-21.82%-22.55%-24.66%-686 bps
Share Growth (YoY)-5.90%-7.55%-5.38%-8.91%-12.35%-644 bps
Asset Quality
Delinquent Loans / Loans3.40%3.16%2.37%2.53%3.04%-36 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 Capital6.65%6.16%4.44%4.61%5.16%-149 bps
Net Worth / Assets6.65%6.16%4.44%4.61%5.16%-149 bps
Liquidity & Funding
Loans / Shares89.43%86.51%78.16%75.58%76.87%-1,257 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps