Austin, TX · Charter 67512
NCUA · 1 branch
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 | 3.32% | 3.12% | 1.58% | 1.51% | 3.25% | 2.92% | 1.72% | 3.94% | +244 bps | |
| Return on Equity | 17.90% | 15.74% | 8.00% | 7.57% | 15.45% | 13.48% | 7.90% | 17.66% | +1,009 bps | |
| Net Interest Margin | 4.34% | 4.58% | 4.21% | 4.17% | 4.11% | 4.20% | 4.26% | 4.04% | -13 bps | |
| Efficiency Ratio | 48.26% | 50.13% | 63.47% | 66.35% | 47.24% | 49.06% | 60.69% | 39.93% | -2,642 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.68% | 3.17% | 0.67% | -1.03% | 2.33% | 5.70% | 4.29% | 8.36% | +938 bps | |
| Loan Growth (YoY) | 4.94% | 2.22% | 0.78% | -0.26% | 0.45% | 3.76% | 4.95% | 6.54% | +680 bps | |
| Share Growth (YoY) | 6.00% | 2.21% | -0.54% | -3.72% | -1.50% | 2.96% | 1.22% | 6.01% | +972 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.74% | 0.92% | 0.17% | 0.69% | 1.93% | 0.99% | 3.79% | +361 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 | 18.56% | 19.83% | 19.68% | 19.87% | 21.02% | 21.64% | 21.76% | 22.32% | +245 bps | |
| Net Worth / Assets | 18.56% | 19.83% | 19.68% | 19.87% | 21.02% | 21.64% | 21.76% | 22.32% | +245 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.85% | 99.89% | 96.66% | 98.19% | 97.74% | 100.67% | 100.22% | 98.68% | +50 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |