Waco, TX · Charter 67469
NCUA · 1 branch
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 | 0.52% | 0.86% | 0.80% | 2.04% | 1.65% | 1.48% | 0.96% | 0.84% | -121 bps | |
| Return on Equity | 2.09% | 3.42% | 3.12% | 7.81% | 6.27% | 5.56% | 3.67% | 3.17% | -464 bps | |
| Net Interest Margin | 3.91% | 4.07% | 4.16% | 4.25% | 4.35% | 4.43% | 4.45% | 4.48% | +23 bps | |
| Efficiency Ratio | 81.41% | 80.04% | 81.68% | 78.97% | 79.94% | 79.39% | 79.60% | 82.31% | +334 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.01% | -9.96% | -6.47% | -6.41% | -2.29% | -0.08% | 4.54% | 2.52% | +893 bps | |
| Loan Growth (YoY) | 0.40% | -2.76% | 0.09% | 1.69% | 3.05% | 10.92% | 13.91% | 5.81% | +411 bps | |
| Share Growth (YoY) | -11.15% | -13.27% | -8.73% | -9.54% | -4.31% | -2.19% | 3.81% | 1.99% | +1,152 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.10% | 3.46% | 1.36% | 0.36% | 0.23% | 0.18% | 0.00% | 0.51% | +16 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 | 1.88% | 1.45% | 1.70% | 0.14% | 0.14% | 0.18% | 0.18% | 0.19% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.80% | 25.21% | 25.75% | 26.14% | 26.30% | 26.68% | 26.15% | 26.36% | +21 bps | |
| Net Worth / Assets | 24.80% | 25.21% | 25.75% | 26.14% | 26.30% | 26.68% | 26.15% | 26.36% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.54% | 56.97% | 55.48% | 56.89% | 58.73% | 64.61% | 60.87% | 59.02% | +213 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |