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Letter portraitLegal landscapeQuarterYTD

Temple Santa Fe Community

Temple, TX · Charter 67573

NCUA · 2 branches

Q2 2026

$24.0MAssets
$13.8MLoans
$21.9MShares
$1.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.24%, down 56 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.42% of loans (+17 bps YoY).
  • Capital: net worth / assets of 8.10%, down 65 bps from a year ago.
  • Funding: loans stand at 63.01% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.24%-56 bps YoY

Net Interest Margin (quarter, annualized)

3.75%-54 bps YoY

Efficiency Ratio (quarter, annualized)

94.61%+1,044 bps YoY

Net Worth / Assets

8.10%-65 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.50%0.78%0.80%0.76%0.69%0.19%0.24%-56 bps
Return on Equity7.26%5.71%8.84%9.12%8.93%8.05%2.32%2.94%-618 bps
Net Interest Margin4.07%4.32%4.45%4.29%4.05%3.99%3.64%3.75%-54 bps
Efficiency Ratio88.02%90.70%85.07%84.16%84.16%86.36%95.47%94.61%+1,044 bps
Growth
Asset Growth (YoY)-2.94%-3.07%-2.71%0.51%5.10%10.30%12.67%5.72%+521 bps
Loan Growth (YoY)-1.72%0.24%7.51%5.84%10.77%7.79%0.50%-2.02%-786 bps
Share Growth (YoY)-4.20%-4.51%-3.21%0.56%5.45%11.30%12.95%6.13%+556 bps
Asset Quality
Delinquent Loans / Loans0.18%0.15%0.10%0.24%0.18%0.18%0.13%0.42%+17 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 Capital8.44%8.80%8.87%8.75%8.46%8.51%8.34%8.10%-65 bps
Net Worth / Assets8.44%8.80%8.87%8.75%8.46%8.51%8.34%8.10%-65 bps
Liquidity & Funding
Loans / Shares63.16%67.77%68.64%68.25%66.34%65.64%61.08%63.01%-524 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps