Waco, TX · Charter 6368
NCUA · 2 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 | 0.80% | 0.85% | 1.23% | 1.30% | 1.11% | 1.12% | 0.98% | 0.93% | -37 bps | |
| Return on Equity | 8.78% | 9.11% | 13.16% | 13.43% | 11.42% | 11.22% | 9.83% | 9.14% | -429 bps | |
| Net Interest Margin | 4.08% | 4.15% | 4.35% | 4.46% | 4.47% | 4.49% | 4.39% | 4.38% | -8 bps | |
| Efficiency Ratio | 81.76% | 80.81% | 77.44% | 75.94% | 78.72% | 78.33% | 76.46% | 79.21% | +327 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.10% | 0.17% | 2.31% | 3.35% | 5.52% | 5.34% | 4.07% | 4.80% | +144 bps | |
| Loan Growth (YoY) | 2.31% | 4.97% | 9.96% | 5.56% | 11.52% | 8.24% | 5.15% | 2.81% | -276 bps | |
| Share Growth (YoY) | -3.77% | -0.73% | 2.31% | 3.54% | 4.18% | 4.84% | 3.06% | 4.53% | +99 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 1.30% | 0.10% | 1.07% | 0.78% | 0.93% | 1.07% | 1.43% | +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 | 9.17% | 9.36% | 9.32% | 9.70% | 9.76% | 10.01% | 10.01% | 10.19% | +49 bps | |
| Net Worth / Assets | 9.17% | 9.36% | 9.32% | 9.70% | 9.76% | 10.01% | 10.01% | 10.19% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.33% | 47.84% | 46.94% | 46.86% | 49.59% | 49.38% | 47.89% | 46.09% | -77 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |