PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Texas

San Antonio, TX · Charter 97107

NCUA · 6 branches

Q4 2025

$423.9MAssets
$291.7MLoans
$386.3MShares
$40.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.57%, up 23 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.80% of loans (-11 bps YoY).
  • Capital: net worth / assets of 9.58%, up 42 bps from a year ago.
  • Funding: loans stand at 75.50% of shares as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.57%+23 bps YoY

Net Interest Margin (YTD, annualized)

2.86%+34 bps YoY

Efficiency Ratio (YTD, annualized)

83.40%-342 bps YoY

Net Worth / Assets

9.58%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.34%0.60%0.60%0.65%0.57%+23 bps
Return on Equity3.75%6.51%6.39%6.81%5.95%+219 bps
Net Interest Margin2.52%2.75%2.86%2.87%2.86%+34 bps
Efficiency Ratio86.82%82.87%82.23%81.42%83.40%-342 bps
Growth
Asset Growth (YoY)1.52%0.71%0.07%1.86%1.70%+18 bps
Loan Growth (YoY)-0.80%-1.19%-1.93%-3.74%-5.55%-475 bps
Share Growth (YoY)0.04%1.61%2.01%3.40%4.00%+396 bps
Asset Quality
Delinquent Loans / Loans0.90%0.53%0.80%0.68%0.80%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.16%9.22%9.42%9.49%9.58%+42 bps
Net Worth / Assets9.16%9.22%9.42%9.49%9.58%+42 bps
Liquidity & Funding
Loans / Shares83.14%81.12%81.02%77.54%75.50%-764 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps