San Antonio, TX · Charter 23184
NCUA · 1 branch
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
58
Asset Quality
87
Profitability
89
Liquidity
0
Efficiency
77
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 Antonio, TX · Charter 23184
NCUA · 1 branch
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 | 0.17% | 0.01% | 0.10% | -0.51% | -0.23% | 0.04% | 3.05% | 1.97% | +248 bps | |
| Return on Equity | 1.11% | 0.07% | 0.71% | -3.41% | -1.47% | 0.25% | 18.99% | 12.50% | +1,591 bps | |
| Net Interest Margin | 4.34% | 4.33% | 4.16% | 4.38% | 4.52% | 4.73% | 4.69% | 4.45% | +6 bps | |
| Efficiency Ratio | 96.91% | 99.82% | 98.04% | 109.29% | 104.07% | 103.66% | 61.89% | 70.12% | -3,917 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.51% | -4.82% | -9.87% | -9.62% | -9.35% | -11.81% | -8.57% | -1.48% | +813 bps | |
| Loan Growth (YoY) | -4.87% | -8.58% | -10.49% | -15.52% | -16.23% | -10.21% | -7.45% | -8.55% | +697 bps | |
| Share Growth (YoY) | -4.17% | -5.48% | -11.16% | -10.01% | -9.83% | -13.58% | -10.24% | -4.65% | +536 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 3.88% | 0.14% | 0.55% | 0.26% | 0.65% | 0.47% | 0.08% | -47 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 | 15.04% | 14.39% | 14.72% | 15.01% | 15.48% | 15.53% | 16.07% | 15.73% | +73 bps | |
| Net Worth / Assets | 15.04% | 14.39% | 14.72% | 15.01% | 15.48% | 15.53% | 16.07% | 15.73% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.01% | 99.37% | 96.89% | 100.32% | 95.69% | 103.24% | 99.90% | 96.22% | -410 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Antonio, TX · Charter 23184 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
1.97%
Rank 15 of 235
Net Interest Margin
4.45%
Rank 52 of 235
Efficiency Ratio
70.08%
Rank 54 of 235
Equity / Assets
15.73%
Rank 98 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.97% | 0.17% | 0.57% | 1.10% | Beats 94% | 15 / 235 | ||
| Return on Equity | 12.49% | 1.03% | 4.30% | 7.58% | Beats 94% | 13 / 235 | ||
| Net Interest Margin | 4.45% | 3.32% | 3.89% | 4.35% | Beats 78% | 52 / 235 | ||
| Efficiency Ratio | 70.08% | 70.60% | 82.00% | 91.57% | Beats 77% | 54 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.08% | 0.20% | 0.59% | 1.14% | Beats 87% | 32 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.73% | 11.30% | 14.41% | 19.49% | Beats 58% | 98 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.73% | 11.30% | 14.41% | 19.49% | Beats 58% | 98 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.22% | 54.18% | 67.38% | 81.66% | 96th pctl | 10 / 235 | ||
| Loans / Assets | 80.14% | 43.80% | 56.63% | 68.64% | 94th pctl | 13 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||