PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Baptist

San Antonio, TX · Charter 68358

NCUA · 6 branches

Q2 2026

$54.7MAssets
$40.6MLoans
$49.7MShares
$4.8MNet 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 0.28%, up 5 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 0.15% of loans (-40 bps YoY).
  • Capital: net worth / assets of 8.72%, up 66 bps from a year ago.
  • Funding: loans stand at 81.66% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.28%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.09%-1 bps YoY

Efficiency Ratio (YTD, annualized)

91.48%-239 bps YoY

Net Worth / Assets

8.72%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%1.35%1.27%0.46%0.28%+5 bps
Return on Equity2.87%15.16%14.59%5.30%3.19%+32 bps
Net Interest Margin4.09%4.10%4.10%4.04%4.09%-1 bps
Efficiency Ratio93.88%78.23%77.68%89.99%91.48%-239 bps
Growth
Asset Growth (YoY)3.70%2.50%2.52%5.13%4.12%+42 bps
Loan Growth (YoY)0.24%9.83%4.64%7.70%7.52%+727 bps
Share Growth (YoY)3.57%1.19%1.41%4.24%3.65%+9 bps
Asset Quality
Delinquent Loans / Loans0.55%0.37%0.09%0.26%0.15%-40 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 Capital8.06%8.88%8.72%8.59%8.72%+66 bps
Net Worth / Assets8.06%8.88%8.72%8.59%8.72%+66 bps
Liquidity & Funding
Loans / Shares78.73%84.92%84.15%81.80%81.66%+293 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps