Austin, TX · Charter 68681
NCUA · 5 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 | 0.60% | 0.55% | -0.16% | -0.22% | -0.13% | -0.13% | -0.29% | -0.08% | +13 bps | |
| Return on Equity | 5.78% | 5.23% | -1.47% | -1.99% | -1.18% | -1.16% | -2.68% | -0.78% | +122 bps | |
| Net Interest Margin | 2.52% | 2.50% | 2.32% | 2.41% | 2.42% | 2.49% | 2.52% | 2.63% | +22 bps | |
| Efficiency Ratio | 83.14% | 84.44% | 106.57% | 106.87% | 103.68% | 103.30% | 108.40% | 100.03% | -684 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.41% | -7.83% | -6.30% | -5.87% | -3.79% | -4.34% | -0.82% | 0.41% | +628 bps | |
| Loan Growth (YoY) | -15.58% | -17.03% | -10.68% | -10.89% | -7.76% | -2.28% | -0.14% | 6.14% | +1,703 bps | |
| Share Growth (YoY) | -2.03% | -6.29% | -6.57% | -6.27% | -3.37% | -4.19% | -0.94% | -0.06% | +621 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.30% | 0.28% | 0.62% | 0.42% | 0.62% | 0.43% | 0.70% | +9 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 | 10.40% | 10.59% | 10.77% | 10.95% | 10.82% | 10.95% | 10.70% | 10.84% | -10 bps | |
| Net Worth / Assets | 10.40% | 10.59% | 10.77% | 10.95% | 10.82% | 10.95% | 10.70% | 10.84% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.90% | 94.66% | 93.90% | 96.35% | 94.41% | 96.54% | 94.66% | 102.33% | +598 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |