San Angelo, TX · Charter 21710
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
19
Profitability
46
Liquidity
27
Efficiency
89
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
San Angelo, TX · Charter 21710
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.52% | 1.26% | 1.03% | 0.71% | 0.96% | -56 bps | |
| Return on Equity | 10.11% | 8.39% | 7.26% | 5.16% | 6.78% | -333 bps | |
| Net Interest Margin | 3.42% | 3.19% | 2.90% | 2.33% | 2.47% | -95 bps | |
| Efficiency Ratio | 46.82% | 49.29% | 53.19% | 67.30% | 62.07% | +1,526 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.04% | 3.34% | 9.55% | 16.35% | 12.90% | +986 bps | |
| Loan Growth (YoY) | 10.27% | 3.78% | 3.94% | 2.01% | -8.23% | -1,850 bps | |
| Share Growth (YoY) | 0.99% | 2.88% | 9.23% | 18.09% | 15.64% | +1,465 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.04% | 0.00% | 0.03% | 1.46% | 1.51% | +147 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.96% | 0.70% | 0.80% | 0.85% | 0.87% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.07% | 15.00% | 14.17% | 13.76% | 14.14% | -93 bps | |
| Net Worth / Assets | 15.07% | 15.00% | 14.17% | 13.76% | 14.14% | -93 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 106.86% | 100.55% | 93.36% | 86.54% | 84.79% | -2,206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Angelo, TX · Charter 21710 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
0.94%
Rank 76 of 235
Net Interest Margin
2.46%
Rank 230 of 235
Efficiency Ratio
62.96%
Rank 28 of 235
Equity / Assets
14.13%
Rank 123 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 0.17% | 0.57% | 1.10% | Beats 68% | 76 / 235 | |
| Return on Equity | 6.62% | 1.03% | 4.30% | 7.58% | Beats 68% | 75 / 235 | |
| Net Interest Margin | 2.46% | 3.32% | 3.89% | 4.35% | Beats 2% | 230 / 235 | |
| Efficiency Ratio | 62.96% | 70.60% | 82.00% | 91.57% | Beats 89% | 28 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.49% | 0.20% | 0.59% | 1.14% | Beats 19% | 192 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.13% | 11.30% | 14.41% | 19.49% | Beats 48% | 123 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.13% | 11.30% | 14.41% | 19.49% | Beats 48% | 123 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.79% | 54.18% | 67.38% | 81.66% | 78th pctl | 51 / 235 | |
| Loans / Assets | 72.74% | 43.80% | 56.63% | 68.64% | 82nd pctl | 43 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||