San Antonio, TX · Charter 61267
NCUA · 1 branch
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 | -2.01% | -2.88% | -2.05% | -5.89% | -4.83% | -5.65% | 0.00% | 0.42% | +631 bps | |
| Return on Equity | -20.11% | -31.55% | -23.89% | -88.56% | -78.41% | -127.21% | -0.02% | 8.21% | +9,677 bps | |
| Net Interest Margin | 3.78% | 3.80% | 3.28% | 3.50% | 3.31% | 3.24% | 3.46% | 3.65% | +14 bps | |
| Efficiency Ratio | 103.70% | 111.00% | 134.04% | 131.43% | 135.71% | 137.94% | 100.02% | 122.39% | -904 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.23% | -6.59% | -8.35% | -9.87% | -10.67% | -9.64% | -13.12% | -14.73% | -486 bps | |
| Loan Growth (YoY) | -7.20% | -13.90% | -18.84% | -17.80% | -17.04% | -21.82% | -22.55% | -24.66% | -686 bps | |
| Share Growth (YoY) | 3.77% | -0.28% | -2.34% | -5.90% | -7.55% | -5.38% | -8.91% | -12.35% | -644 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.34% | 2.80% | 3.20% | 3.40% | 3.16% | 2.37% | 2.53% | 3.04% | -36 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 | 9.99% | 9.12% | 8.60% | 6.65% | 6.16% | 4.44% | 4.61% | 5.16% | -149 bps | |
| Net Worth / Assets | 9.99% | 9.12% | 8.60% | 6.65% | 6.16% | 4.44% | 4.61% | 5.16% | -149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.40% | 94.60% | 88.89% | 89.43% | 86.51% | 78.16% | 75.58% | 76.87% | -1,257 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |