Austin, TX · Charter 68251
NCUA · 11 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 | 0.48% | 0.50% | 0.55% | 0.54% | 0.73% | 0.72% | 0.68% | 0.51% | -3 bps | |
| Return on Equity | 4.99% | 5.19% | 5.66% | 5.52% | 7.40% | 7.22% | 6.79% | 5.15% | -36 bps | |
| Net Interest Margin | 2.81% | 2.80% | 2.94% | 3.02% | 3.03% | 3.01% | 3.05% | 3.06% | +4 bps | |
| Efficiency Ratio | 81.54% | 80.74% | 80.19% | 79.33% | 75.24% | 75.56% | 77.45% | 79.55% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.69% | 4.25% | 4.47% | 3.52% | 4.04% | 3.85% | 3.89% | 5.16% | +163 bps | |
| Loan Growth (YoY) | -4.32% | -4.14% | -3.31% | -2.45% | -0.56% | 0.26% | 0.98% | 0.12% | +257 bps | |
| Share Growth (YoY) | 0.67% | 1.36% | 1.55% | 1.60% | 0.90% | 2.63% | 2.46% | 2.54% | +94 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 0.94% | 0.92% | 0.98% | 0.98% | 0.93% | 1.12% | 1.22% | +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 | 9.62% | 9.67% | 9.70% | 9.79% | 9.92% | 10.01% | 10.06% | 9.87% | +8 bps | |
| Net Worth / Assets | 9.62% | 9.67% | 9.70% | 9.79% | 9.92% | 10.01% | 10.06% | 9.87% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.66% | 96.00% | 94.13% | 95.04% | 96.25% | 93.78% | 92.77% | 92.80% | -224 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |