Austin, TX · Charter 67428
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.30% | 1.16% | 1.21% | 1.23% | 1.14% | 0.95% | 0.92% | -30 bps | |
| Return on Equity | 9.96% | 9.86% | 8.71% | 8.79% | 8.83% | 8.09% | 6.64% | 6.20% | -260 bps | |
| Net Interest Margin | 3.04% | 3.05% | 3.23% | 3.41% | 3.47% | 3.48% | 3.39% | 3.47% | +6 bps | |
| Efficiency Ratio | 58.18% | 57.75% | 61.16% | 58.24% | 57.78% | 61.58% | 61.69% | 62.34% | +411 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.84% | 0.83% | 2.66% | 2.71% | 2.95% | 1.74% | 0.45% | 0.07% | -264 bps | |
| Loan Growth (YoY) | -10.05% | -9.35% | -4.23% | 0.88% | 1.90% | 0.77% | -3.09% | -3.72% | -459 bps | |
| Share Growth (YoY) | -5.19% | -1.44% | 0.27% | 0.49% | 1.32% | -0.16% | -1.53% | -1.28% | -177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.47% | 0.38% | 0.47% | 0.29% | 0.44% | 0.52% | 0.47% | 0 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 | 13.11% | 13.24% | 13.29% | 13.79% | 13.98% | 14.14% | 14.31% | 14.78% | +99 bps | |
| Net Worth / Assets | 13.11% | 13.24% | 13.29% | 13.79% | 13.98% | 14.14% | 14.31% | 14.78% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.10% | 59.29% | 59.53% | 62.17% | 61.45% | 59.84% | 58.59% | 60.64% | -153 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |