Waco, TX · Charter 67611
NCUA · 8 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 | 1.79% | 1.81% | 1.77% | 1.85% | 1.95% | 2.00% | 2.21% | 2.30% | +45 bps | |
| Return on Equity | 9.53% | 9.47% | 9.40% | 9.70% | 10.02% | 10.16% | 11.12% | 11.32% | +162 bps | |
| Net Interest Margin | 2.83% | 2.82% | 2.78% | 2.85% | 2.92% | 2.93% | 3.15% | 3.18% | +34 bps | |
| Efficiency Ratio | 43.83% | 42.78% | 44.59% | 41.80% | 40.09% | 38.59% | 36.90% | 34.74% | -707 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.80% | 0.32% | 3.30% | 4.83% | 6.76% | 7.98% | 5.92% | 5.16% | +33 bps | |
| Loan Growth (YoY) | -6.59% | -8.22% | -7.66% | -6.81% | -5.93% | -3.35% | -4.90% | -7.91% | -110 bps | |
| Share Growth (YoY) | -3.12% | -1.81% | 1.82% | 3.64% | 5.83% | 7.22% | 4.57% | 3.47% | -17 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.14% | 0.17% | 0.13% | 0.12% | 0.17% | 0.17% | 0.17% | +4 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 | 18.75% | 19.11% | 18.86% | 19.04% | 19.48% | 19.70% | 19.90% | 20.32% | +129 bps | |
| Net Worth / Assets | 18.75% | 19.11% | 18.86% | 19.04% | 19.48% | 19.70% | 19.90% | 20.32% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.43% | 34.29% | 32.57% | 31.92% | 31.49% | 30.91% | 29.62% | 28.41% | -351 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |