San Antonio, TX · Charter 97107
NCUA · 6 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.34% | 0.33% | 0.34% | 0.60% | 0.60% | 0.65% | 0.57% | +23 bps | |
| Return on Equity | 4.05% | 3.82% | 3.66% | 3.75% | 6.51% | 6.39% | 6.81% | 5.95% | +219 bps | |
| Net Interest Margin | 2.46% | 2.50% | 2.51% | 2.52% | 2.75% | 2.86% | 2.87% | 2.86% | +34 bps | |
| Efficiency Ratio | 87.63% | 87.95% | 87.15% | 86.82% | 82.87% | 82.23% | 81.42% | 83.40% | -342 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.41% | 3.26% | 3.05% | 1.52% | 0.71% | 0.07% | 1.86% | 1.70% | +18 bps | |
| Loan Growth (YoY) | 2.14% | 0.35% | -0.18% | -0.80% | -1.19% | -1.93% | -3.74% | -5.55% | -475 bps | |
| Share Growth (YoY) | 2.48% | -0.16% | -0.15% | 0.04% | 1.61% | 2.01% | 3.40% | 4.00% | +396 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.68% | 0.75% | 0.90% | 0.53% | 0.80% | 0.68% | 0.80% | -11 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 | 8.88% | 8.95% | 9.08% | 9.16% | 9.22% | 9.42% | 9.49% | 9.58% | +42 bps | |
| Net Worth / Assets | 8.88% | 8.95% | 9.08% | 9.16% | 9.22% | 9.42% | 9.49% | 9.58% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.42% | 84.27% | 83.29% | 83.14% | 81.12% | 81.02% | 77.54% | 75.50% | -764 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |