Austin, TX · Charter 67452
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 | 1.14% | 1.19% | 1.45% | 1.24% | 1.02% | 0.83% | 0.70% | 0.65% | -58 bps | |
| Return on Equity | 9.19% | 9.39% | 11.15% | 9.50% | 7.90% | 6.63% | 5.48% | 4.75% | -475 bps | |
| Net Interest Margin | 3.69% | 3.75% | 3.87% | 3.81% | 3.75% | 3.61% | 3.44% | 3.68% | -14 bps | |
| Efficiency Ratio | 61.31% | 61.04% | 59.99% | 60.28% | 60.49% | 61.35% | 61.75% | 62.76% | +248 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.63% | -1.65% | 0.03% | 2.74% | 4.95% | 8.55% | 7.78% | -1.12% | -386 bps | |
| Loan Growth (YoY) | 1.16% | 0.64% | -1.97% | -5.02% | -6.82% | -9.55% | -12.12% | -13.54% | -852 bps | |
| Share Growth (YoY) | -3.00% | -3.36% | -1.40% | 1.03% | 3.09% | 9.03% | 8.16% | 5.90% | +487 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 1.97% | 1.55% | 1.92% | 2.01% | 2.25% | 2.29% | 2.17% | +25 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 | 12.37% | 12.68% | 13.01% | 13.03% | 12.87% | 12.51% | 12.75% | 13.77% | +74 bps | |
| Net Worth / Assets | 12.37% | 12.68% | 13.01% | 13.03% | 12.87% | 12.51% | 12.75% | 13.77% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.39% | 71.90% | 70.69% | 67.68% | 64.53% | 59.65% | 57.44% | 55.26% | -1,242 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |