PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

1st University

Waco, TX · Charter 67483

NCUA · 2 branches

Q2 2026

$18.5MAssets
$11.1MLoans
$16.0MShares
$1.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.15%, up 6 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.41% of loans (-109 bps YoY).
  • Capital: net worth / assets of 10.02%, down 34 bps from a year ago.
  • Funding: loans stand at 69.33% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.15%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.97%-9 bps YoY

Efficiency Ratio (YTD, annualized)

95.94%-162 bps YoY

Net Worth / Assets

10.02%-34 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.18%0.08%0.10%0.12%0.11%0.20%0.15%+6 bps
Return on Equity1.92%1.72%0.72%0.95%1.15%1.03%1.88%1.54%+59 bps
Net Interest Margin4.24%4.08%4.30%4.06%4.07%3.96%4.16%3.97%-9 bps
Efficiency Ratio96.17%95.94%96.26%97.56%97.13%98.49%95.01%95.94%-162 bps
Growth
Asset Growth (YoY)4.25%-10.02%-6.18%-1.65%1.10%1.99%4.31%4.78%+643 bps
Loan Growth (YoY)-0.03%-8.83%2.54%-5.46%-7.41%-11.75%-6.30%-13.76%-829 bps
Share Growth (YoY)2.70%-7.72%-5.96%-1.14%1.20%0.93%1.11%1.00%+214 bps
Asset Quality
Delinquent Loans / Loans0.34%2.17%0.25%1.49%1.08%2.64%1.57%0.41%-109 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.36%10.33%10.69%10.36%10.36%10.24%10.38%10.02%-34 bps
Net Worth / Assets10.36%10.33%10.69%10.36%10.36%10.24%10.38%10.02%-34 bps
Liquidity & Funding
Loans / Shares87.63%85.52%88.89%81.20%80.17%74.78%82.38%69.33%-1,186 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps