PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

A+

Austin, TX · Charter 6178

NCUA · 22 branches

Q2 2026

$2.6BAssets
$2.1BLoans
$2.1BShares
$352.5MNet 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 0.89%, up 25 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 2.08% of loans (-16 bps YoY).
  • Capital: net worth / assets of 13.67%, up 50 bps from a year ago.
  • Funding: loans stand at 100.38% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%+25 bps YoY

Net Interest Margin (YTD, annualized)

4.05%+10 bps YoY

Efficiency Ratio (YTD, annualized)

65.81%-21 bps YoY

Net Worth / Assets

13.67%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%1.03%0.96%0.69%0.89%+25 bps
Return on Equity4.89%7.63%7.12%5.06%6.53%+164 bps
Net Interest Margin3.94%3.95%3.95%3.99%4.05%+10 bps
Efficiency Ratio66.02%63.61%64.43%68.63%65.81%-21 bps
Growth
Asset Growth (YoY)-1.67%2.09%3.23%2.48%2.85%+452 bps
Loan Growth (YoY)-4.28%-3.11%-0.36%0.31%0.44%+473 bps
Share Growth (YoY)1.29%3.04%4.01%2.34%1.86%+57 bps
Asset Quality
Delinquent Loans / Loans2.24%2.36%2.37%2.04%2.08%-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 Capital13.17%13.48%13.53%13.63%13.67%+50 bps
Net Worth / Assets13.17%13.48%13.53%13.63%13.67%+50 bps
Liquidity & Funding
Loans / Shares101.79%100.95%100.71%100.23%100.38%-141 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps