Universal City, TX · Charter 8111
NCUA · 63 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 | 1.46% | 1.36% | 1.15% | 1.44% | 1.48% | 1.39% | 1.02% | 1.47% | +3 bps | |
| Return on Equity | 11.68% | 10.88% | 9.33% | 11.44% | 11.50% | 10.73% | 7.75% | 10.99% | -45 bps | |
| Net Interest Margin | 2.90% | 2.89% | 3.01% | 3.07% | 3.10% | 3.10% | 3.36% | 3.35% | +28 bps | |
| Efficiency Ratio | 58.50% | 59.08% | 60.16% | 55.78% | 55.47% | 56.69% | 62.43% | 55.50% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.18% | -0.41% | 5.97% | 5.77% | 7.75% | 6.95% | 3.73% | 4.61% | -116 bps | |
| Loan Growth (YoY) | 3.93% | 3.25% | 3.43% | 3.78% | 3.58% | 3.42% | 2.32% | 1.30% | -248 bps | |
| Share Growth (YoY) | 4.30% | 6.07% | 6.17% | 5.76% | 5.77% | 6.12% | 5.17% | 5.09% | -68 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.90% | 0.71% | 0.96% | 0.89% | 1.05% | 1.00% | 1.27% | +31 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 | 12.47% | 12.48% | 12.32% | 12.63% | 12.89% | 12.99% | 13.18% | 13.42% | +79 bps | |
| Net Worth / Assets | 12.47% | 12.48% | 12.32% | 12.63% | 12.89% | 12.99% | 13.18% | 13.42% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.95% | 86.52% | 84.37% | 85.45% | 85.15% | 84.33% | 82.09% | 82.37% | -308 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |