Waco, TX · Charter 67483
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | 0.12% | 0.11% | 0.20% | 0.15% | +6 bps | |
| Return on Equity | 0.95% | 1.15% | 1.03% | 1.88% | 1.54% | +59 bps | |
| Net Interest Margin | 4.06% | 4.07% | 3.96% | 4.16% | 3.97% | -9 bps | |
| Efficiency Ratio | 97.56% | 97.13% | 98.49% | 95.01% | 95.94% | -162 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.65% | 1.10% | 1.99% | 4.31% | 4.78% | +643 bps | |
| Loan Growth (YoY) | -5.46% | -7.41% | -11.75% | -6.30% | -13.76% | -829 bps | |
| Share Growth (YoY) | -1.14% | 1.20% | 0.93% | 1.11% | 1.00% | +214 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.49% | 1.08% | 2.64% | 1.57% | 0.41% | -109 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.36% | 10.36% | 10.24% | 10.38% | 10.02% | -34 bps | |
| Net Worth / Assets | 10.36% | 10.36% | 10.24% | 10.38% | 10.02% | -34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.20% | 80.17% | 74.78% | 82.38% | 69.33% | -1,186 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |