Austin, TX · Charter 67661
NCUA · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.74% | 0.64% | 0.89% | 0.22% | 0.58% | 0.06% | 1.33% | +44 bps | |
| Return on Equity | 4.39% | 4.26% | 3.66% | 5.14% | 1.27% | 3.20% | 0.32% | 7.42% | +227 bps | |
| Net Interest Margin | 4.39% | 4.54% | 4.72% | 4.64% | 4.86% | 4.96% | 4.78% | 4.63% | 0 bps | |
| Efficiency Ratio | 72.94% | 75.37% | 84.28% | 81.97% | 76.38% | 74.59% | 75.31% | 72.88% | -909 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.51% | -1.77% | -1.80% | -1.69% | -2.03% | -1.97% | 0.35% | 0.62% | +232 bps | |
| Loan Growth (YoY) | -6.04% | -3.87% | -7.64% | -7.83% | -10.90% | -14.27% | -17.54% | -19.70% | -1,187 bps | |
| Share Growth (YoY) | -13.82% | -3.05% | -3.20% | -4.65% | -2.03% | -5.35% | -0.02% | 1.35% | +600 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 1.03% | 0.40% | 0.97% | 1.78% | 2.15% | 1.46% | 0.74% | -24 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 | 16.89% | 17.32% | 17.47% | 17.23% | 17.58% | 18.26% | 17.83% | 17.90% | +67 bps | |
| Net Worth / Assets | 16.89% | 17.32% | 17.47% | 17.23% | 17.58% | 18.26% | 17.83% | 17.90% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.61% | 104.21% | 102.46% | 98.50% | 96.05% | 94.39% | 84.50% | 78.04% | -2,046 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |