Austin, TX · Charter 67537
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.46% | 0.15% | 0.18% | 0.15% | 0.21% | 0.23% | 0.34% | +17 bps | |
| Return on Equity | 3.24% | 3.04% | 0.96% | 1.12% | 0.98% | 1.35% | 1.47% | 2.15% | +103 bps | |
| Net Interest Margin | 4.51% | 4.34% | 4.18% | 4.48% | 4.33% | 4.27% | 4.08% | 4.29% | -19 bps | |
| Efficiency Ratio | 88.36% | 89.08% | 87.68% | 87.34% | 88.22% | 88.66% | 83.70% | 86.78% | -57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.44% | -5.10% | -4.62% | -2.48% | 0.34% | -1.45% | -0.91% | -0.79% | +169 bps | |
| Loan Growth (YoY) | -20.74% | -26.15% | -28.94% | -29.99% | -30.96% | -30.32% | -30.75% | -28.64% | +135 bps | |
| Share Growth (YoY) | -11.07% | -3.95% | -3.56% | -3.69% | -0.42% | -1.67% | -0.84% | -0.55% | +313 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.42% | 1.81% | 1.19% | 0.89% | 0.89% | 2.10% | 2.27% | 0.41% | -48 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 | 15.55% | 15.14% | 15.41% | 15.83% | 15.57% | 15.52% | 15.71% | 15.96% | +14 bps | |
| Net Worth / Assets | 15.55% | 15.14% | 15.41% | 15.83% | 15.57% | 15.52% | 15.71% | 15.96% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.87% | 63.95% | 60.24% | 56.28% | 50.53% | 45.32% | 42.07% | 40.38% | -1,590 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |