Austin, TX · Charter 67511
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 | 0.61% | 0.75% | 0.94% | 1.01% | 1.05% | 1.11% | 0.73% | 0.61% | -41 bps | |
| Return on Equity | 5.48% | 6.75% | 8.37% | 8.75% | 8.94% | 9.20% | 6.04% | 4.87% | -388 bps | |
| Net Interest Margin | 3.75% | 3.69% | 3.86% | 3.94% | 3.94% | 4.02% | 3.95% | 4.05% | +11 bps | |
| Efficiency Ratio | 80.03% | 78.61% | 69.69% | 70.86% | 71.81% | 71.34% | 79.13% | 82.31% | +1,145 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.20% | 1.32% | 2.02% | 3.83% | 4.51% | 0.53% | 1.18% | -0.07% | -390 bps | |
| Loan Growth (YoY) | -3.36% | -4.24% | -5.39% | -4.86% | -0.75% | 1.48% | 2.48% | -0.11% | +475 bps | |
| Share Growth (YoY) | -4.21% | 0.12% | 0.93% | 2.74% | 3.33% | -0.35% | 0.10% | -1.33% | -406 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.35% | 0.18% | 0.17% | 0.71% | 0.90% | 0.45% | 0.15% | -2 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 | 11.13% | 11.08% | 11.25% | 11.59% | 11.71% | 12.11% | 12.14% | 12.48% | +90 bps | |
| Net Worth / Assets | 11.13% | 11.08% | 11.25% | 11.59% | 11.71% | 12.11% | 12.14% | 12.48% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.38% | 65.49% | 64.16% | 65.22% | 65.68% | 66.70% | 65.68% | 66.02% | +80 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |