Waco, TX · Charter 67519
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 | 0.38% | 0.50% | -0.09% | 0.18% | 0.16% | 0.27% | -0.40% | 0.07% | -11 bps | |
| Return on Equity | 2.17% | 2.76% | -0.51% | 1.01% | 0.92% | 1.49% | -2.21% | 0.42% | -59 bps | |
| Net Interest Margin | 4.62% | 4.74% | 4.58% | 4.62% | 4.61% | 4.63% | 4.45% | 4.39% | -23 bps | |
| Efficiency Ratio | 86.89% | 86.04% | 93.65% | 89.26% | 88.15% | 87.84% | 93.51% | 90.73% | +147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.74% | -4.56% | -4.90% | -4.48% | -1.77% | 2.10% | -0.02% | 2.01% | +649 bps | |
| Loan Growth (YoY) | -3.49% | -6.88% | -4.95% | -5.48% | -5.85% | -6.22% | -6.42% | -4.85% | +63 bps | |
| Share Growth (YoY) | -1.45% | -6.06% | -6.45% | -5.97% | -2.50% | 2.23% | -0.31% | 2.18% | +815 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.62% | 0.61% | 0.39% | 0.58% | 0.71% | 0.29% | 1.27% | +88 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 | 17.32% | 18.28% | 17.88% | 18.06% | 17.96% | 18.17% | 18.08% | 17.92% | -14 bps | |
| Net Worth / Assets | 17.32% | 18.28% | 17.88% | 18.06% | 17.96% | 18.17% | 18.08% | 17.92% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.22% | 72.61% | 70.44% | 69.40% | 67.81% | 66.61% | 66.12% | 64.63% | -477 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |