Austin, TX · Charter 67865
NCUA · 3 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 | 0.28% | 0.35% | 0.25% | 0.34% | 0.39% | 0.52% | 0.28% | 0.25% | -9 bps | |
| Return on Equity | 2.26% | 2.84% | 2.04% | 2.76% | 3.25% | 4.34% | 2.32% | 2.08% | -68 bps | |
| Net Interest Margin | 3.42% | 3.44% | 3.55% | 3.70% | 3.71% | 3.67% | 3.68% | 3.71% | 0 bps | |
| Efficiency Ratio | 91.25% | 89.18% | 90.11% | 87.70% | 86.88% | 85.77% | 91.35% | 91.68% | +398 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.33% | 2.16% | 3.62% | 2.64% | 4.32% | 5.15% | 5.14% | 6.02% | +338 bps | |
| Loan Growth (YoY) | -1.32% | 2.21% | 3.35% | 10.14% | 10.87% | 12.96% | 14.81% | 7.89% | -225 bps | |
| Share Growth (YoY) | 0.57% | 7.26% | 9.21% | 8.20% | 9.96% | 4.83% | 5.03% | 5.97% | -223 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.17% | 0.23% | 0.31% | 0.22% | 0.28% | 0.16% | 0.20% | -11 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 | 12.31% | 12.27% | 12.20% | 12.32% | 12.12% | 12.08% | 12.02% | 12.00% | -33 bps | |
| Net Worth / Assets | 12.31% | 12.27% | 12.20% | 12.32% | 12.12% | 12.08% | 12.02% | 12.00% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.36% | 78.39% | 78.14% | 83.83% | 84.05% | 84.47% | 85.42% | 85.35% | +152 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |