Waco, TX · Charter 67644
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.15% | 1.67% | 1.49% | 1.35% | 1.19% | +5 bps | |
| Return on Equity | 7.32% | 10.36% | 9.26% | 8.59% | 7.59% | +26 bps | |
| Net Interest Margin | 4.34% | 4.36% | 4.30% | 4.17% | 4.11% | -23 bps | |
| Efficiency Ratio | 84.02% | 77.99% | 79.23% | 77.41% | 79.21% | -481 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.37% | 5.24% | 7.42% | 6.91% | 9.81% | +844 bps | |
| Loan Growth (YoY) | -1.93% | -0.27% | 0.86% | 1.17% | 9.19% | +1,112 bps | |
| Share Growth (YoY) | -0.65% | 3.74% | 5.31% | 6.13% | 10.09% | +1,074 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.71% | 2.67% | 2.76% | 1.98% | 1.95% | -76 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.67% | 16.10% | 16.04% | 15.75% | 15.75% | +8 bps | |
| Net Worth / Assets | 15.67% | 16.10% | 16.04% | 15.75% | 15.75% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.78% | 61.72% | 60.87% | 57.04% | 61.28% | -50 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |