San Antonio, TX · Charter 62509
NCUA · 13 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | 0.06% | -0.42% | 0.68% | 0.69% | +59 bps | |
| Return on Equity | 0.97% | 0.60% | -4.34% | 7.08% | 7.22% | +625 bps | |
| Net Interest Margin | 3.19% | 3.30% | 3.33% | 3.54% | 3.50% | +32 bps | |
| Efficiency Ratio | 85.63% | 83.42% | 89.70% | 75.22% | 74.76% | -1,087 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.40% | 1.68% | 4.89% | 4.40% | 5.02% | +261 bps | |
| Loan Growth (YoY) | 6.61% | 10.86% | 10.46% | 10.72% | 14.86% | +826 bps | |
| Share Growth (YoY) | 4.60% | 4.95% | 6.91% | 5.66% | 5.75% | +115 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.65% | 0.82% | 0.71% | 0.70% | +8 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.28% | 10.34% | 9.73% | 9.63% | 9.62% | -66 bps | |
| Net Worth / Assets | 10.28% | 10.34% | 9.73% | 9.63% | 9.62% | -66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.33% | 70.41% | 70.47% | 69.69% | 73.13% | +580 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |