San Antonio, TX · Charter 68358
NCUA · 6 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 | 0.30% | 0.32% | 0.15% | 0.23% | 1.35% | 1.27% | 0.46% | 0.28% | +5 bps | |
| Return on Equity | 3.74% | 4.07% | 1.94% | 2.87% | 15.16% | 14.59% | 5.30% | 3.19% | +32 bps | |
| Net Interest Margin | 4.14% | 4.08% | 4.03% | 4.09% | 4.10% | 4.10% | 4.04% | 4.09% | -1 bps | |
| Efficiency Ratio | 91.62% | 91.10% | 94.28% | 93.88% | 78.23% | 77.68% | 89.99% | 91.48% | -239 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.69% | 7.52% | 2.66% | 3.70% | 2.50% | 2.52% | 5.13% | 4.12% | +42 bps | |
| Loan Growth (YoY) | -1.94% | 2.98% | 0.68% | 0.24% | 9.83% | 4.64% | 7.70% | 7.52% | +727 bps | |
| Share Growth (YoY) | 4.61% | 7.46% | 2.81% | 3.57% | 1.19% | 1.41% | 4.24% | 3.65% | +9 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.25% | 0.40% | 0.55% | 0.37% | 0.09% | 0.26% | 0.15% | -40 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 | 7.96% | 7.95% | 7.96% | 8.06% | 8.88% | 8.72% | 8.59% | 8.72% | +66 bps | |
| Net Worth / Assets | 7.96% | 7.95% | 7.96% | 8.06% | 8.88% | 8.72% | 8.59% | 8.72% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.24% | 81.55% | 79.18% | 78.73% | 84.92% | 84.15% | 81.80% | 81.66% | +293 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |