San Antonio, TX · Charter 62509
NCUA · 13 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 | -0.07% | 0.09% | -0.03% | 0.10% | 0.06% | -0.42% | 0.68% | 0.69% | +59 bps | |
| Return on Equity | -0.67% | 0.87% | -0.26% | 0.97% | 0.60% | -4.34% | 7.08% | 7.22% | +625 bps | |
| Net Interest Margin | 3.12% | 3.19% | 3.13% | 3.19% | 3.30% | 3.33% | 3.54% | 3.50% | +32 bps | |
| Efficiency Ratio | 90.43% | 88.03% | 87.31% | 85.63% | 83.42% | 89.70% | 75.22% | 74.76% | -1,087 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.58% | -1.57% | 0.67% | 2.40% | 1.68% | 4.89% | 4.40% | 5.02% | +261 bps | |
| Loan Growth (YoY) | 3.65% | 7.56% | 7.02% | 6.61% | 10.86% | 10.46% | 10.72% | 14.86% | +826 bps | |
| Share Growth (YoY) | 0.59% | 1.43% | 3.24% | 4.60% | 4.95% | 6.91% | 5.66% | 5.75% | +115 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.74% | 0.61% | 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 | 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 | 10.39% | 10.72% | 10.36% | 10.28% | 10.34% | 9.73% | 9.63% | 9.62% | -66 bps | |
| Net Worth / Assets | 10.39% | 10.72% | 10.36% | 10.28% | 10.34% | 9.73% | 9.63% | 9.62% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.65% | 68.20% | 66.51% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |