Austin, TX · Charter 68359
NCUA · 7 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.24% | 0.06% | 0.14% | 0.10% | 0.09% | 0.06% | 0.10% | -5 bps | |
| Return on Equity | 1.80% | 1.57% | 0.39% | 0.95% | 0.66% | 0.62% | 0.46% | 0.69% | -26 bps | |
| Net Interest Margin | 3.64% | 3.67% | 3.65% | 3.68% | 3.67% | 3.63% | 3.53% | 3.58% | -10 bps | |
| Efficiency Ratio | 82.83% | 82.14% | 79.12% | 81.14% | 81.84% | 81.90% | 83.26% | 82.38% | +124 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.53% | -1.03% | 0.27% | 0.48% | 1.75% | 3.80% | 3.43% | 4.75% | +427 bps | |
| Loan Growth (YoY) | 1.62% | -4.88% | -6.65% | -9.52% | -10.17% | -7.81% | -5.05% | -0.32% | +921 bps | |
| Share Growth (YoY) | -3.21% | -2.44% | -1.50% | -1.18% | 0.89% | 2.67% | 3.08% | 3.41% | +459 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.29% | 1.25% | 0.99% | 0.97% | 0.84% | 0.99% | 0.66% | 0.57% | -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 | 14.95% | 15.01% | 14.85% | 14.91% | 14.45% | 14.21% | 14.11% | 13.97% | -95 bps | |
| Net Worth / Assets | 14.95% | 15.01% | 14.85% | 14.91% | 14.45% | 14.21% | 14.11% | 13.97% | -95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.08% | 69.59% | 67.67% | 65.68% | 64.18% | 62.48% | 62.33% | 63.32% | -236 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |