Austin, TX · Charter 67604
NCUA · 1 branch
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 | 0.61% | 0.59% | 1.05% | 0.65% | 0.54% | 0.41% | 0.42% | 0.46% | -19 bps | |
| Return on Equity | 6.95% | 6.53% | 11.21% | 6.98% | 5.88% | 4.36% | 4.54% | 4.83% | -215 bps | |
| Net Interest Margin | 3.88% | 4.05% | 4.30% | 4.20% | 4.20% | 4.31% | 4.15% | 4.15% | -5 bps | |
| Efficiency Ratio | 86.75% | 86.46% | 69.61% | 77.19% | 78.48% | 79.97% | 90.96% | 90.21% | +1,302 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.96% | 2.85% | 1.81% | 2.40% | 0.70% | 0.75% | 2.47% | 0.59% | -181 bps | |
| Loan Growth (YoY) | -5.15% | -9.12% | -9.41% | -8.76% | -9.37% | -3.43% | -2.35% | -4.21% | +456 bps | |
| Share Growth (YoY) | 2.16% | 2.57% | 1.21% | 2.13% | 0.42% | 0.41% | 2.37% | 0.38% | -175 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 1.02% | 1.03% | 0.84% | 0.46% | 0.37% | 0.15% | 2.24% | +140 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 | 8.81% | 9.02% | 9.39% | 9.26% | 9.20% | 9.29% | 9.35% | 9.45% | +19 bps | |
| Net Worth / Assets | 8.81% | 9.02% | 9.39% | 9.26% | 9.20% | 9.29% | 9.35% | 9.45% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.74% | 65.99% | 66.15% | 64.45% | 62.04% | 63.47% | 63.11% | 61.50% | -294 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |