Waco, TX · Charter 8585
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 | 1.25% | 1.27% | 1.69% | 1.63% | 1.56% | 1.55% | 1.80% | 1.95% | +33 bps | |
| Return on Equity | 9.78% | 9.85% | 13.03% | 12.27% | 11.61% | 11.32% | 13.00% | 13.68% | +141 bps | |
| Net Interest Margin | 3.11% | 3.13% | 3.28% | 3.36% | 3.38% | 3.40% | 3.37% | 3.41% | +5 bps | |
| Efficiency Ratio | 68.50% | 67.81% | 63.54% | 63.63% | 63.07% | 62.99% | 63.05% | 60.56% | -307 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.06% | 4.54% | 5.87% | 6.86% | 7.12% | 6.50% | 5.60% | 5.47% | -139 bps | |
| Loan Growth (YoY) | -1.84% | -2.00% | -2.04% | -0.51% | 0.66% | 3.59% | 3.75% | 5.99% | +651 bps | |
| Share Growth (YoY) | 1.56% | 3.06% | 4.46% | 5.30% | 6.29% | 5.57% | 4.46% | 4.36% | -94 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.26% | 0.21% | 0.22% | 0.22% | 0.37% | 0.28% | 0.19% | -3 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 | 12.80% | 12.93% | 12.97% | 13.25% | 13.44% | 13.68% | 13.84% | 14.26% | +101 bps | |
| Net Worth / Assets | 12.80% | 12.93% | 12.97% | 13.25% | 13.44% | 13.68% | 13.84% | 14.26% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.51% | 57.66% | 54.84% | 55.68% | 54.47% | 56.57% | 54.46% | 56.54% | +87 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |