PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Capitol

Austin, TX · Charter 67865

NCUA · 3 branches

Q2 2026

$233.9MAssets
$173.8MLoans
$203.6MShares
$28.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.25%, down 9 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.20% of loans (-11 bps YoY).
  • Capital: net worth / assets of 12.00%, down 33 bps from a year ago.
  • Funding: loans stand at 85.35% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.25%-9 bps YoY

Net Interest Margin (quarter, annualized)

3.71%0 bps YoY

Efficiency Ratio (quarter, annualized)

91.68%+398 bps YoY

Net Worth / Assets

12.00%-33 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.39%0.52%0.28%0.25%-9 bps
Return on Equity2.76%3.25%4.34%2.32%2.08%-68 bps
Net Interest Margin3.70%3.71%3.67%3.68%3.71%0 bps
Efficiency Ratio87.70%86.88%85.77%91.35%91.68%+398 bps
Growth
Asset Growth (YoY)2.64%4.32%5.15%5.14%6.02%+338 bps
Loan Growth (YoY)10.14%10.87%12.96%14.81%7.89%-225 bps
Share Growth (YoY)8.20%9.96%4.83%5.03%5.97%-223 bps
Asset Quality
Delinquent Loans / Loans0.31%0.22%0.28%0.16%0.20%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.32%12.12%12.08%12.02%12.00%-33 bps
Net Worth / Assets12.32%12.12%12.08%12.02%12.00%-33 bps
Liquidity & Funding
Loans / Shares83.83%84.05%84.47%85.42%85.35%+152 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps