San Antonio, TX · Charter 23605
NCUA · 7 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
59
Asset Quality
72
Profitability
55
Liquidity
0
Efficiency
94
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 23605
NCUA · 7 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 | 0.79% | 0.74% | 0.72% | 0.91% | 0.98% | 0.92% | 0.90% | 1.23% | +32 bps | |
| Return on Equity | 5.08% | 4.67% | 4.81% | 5.84% | 6.12% | 5.82% | 6.07% | 7.80% | +196 bps | |
| Net Interest Margin | 2.18% | 2.26% | 2.42% | 2.57% | 2.64% | 2.64% | 2.71% | 2.90% | +32 bps | |
| Efficiency Ratio | 69.35% | 70.26% | 69.79% | 65.76% | 64.06% | 64.64% | 64.92% | 59.12% | -664 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.59% | -2.07% | 0.25% | -0.23% | 3.00% | 6.69% | 7.47% | 6.50% | +674 bps | |
| Loan Growth (YoY) | -0.87% | -2.54% | -1.27% | 0.65% | 3.02% | 4.07% | 2.13% | 1.25% | +60 bps | |
| Share Growth (YoY) | 0.01% | 1.79% | 0.42% | 0.20% | 2.71% | 4.98% | 7.40% | 6.53% | +633 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.46% | 0.29% | 0.36% | 0.19% | 0.74% | 0.47% | 0.29% | -7 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 | 15.52% | 15.93% | 15.02% | 15.67% | 15.94% | 15.86% | 14.89% | 15.78% | +11 bps | |
| Net Worth / Assets | 15.52% | 15.93% | 15.02% | 15.67% | 15.94% | 15.86% | 14.89% | 15.78% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.34% | 97.53% | 91.75% | 96.98% | 98.64% | 96.69% | 87.24% | 92.17% | -481 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 23605 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 7 branches
Q2 2026
Return on Assets
1.23%
Rank 50 of 235
Net Interest Margin
2.90%
Rank 215 of 235
Efficiency Ratio
59.12%
Rank 16 of 235
Equity / Assets
15.78%
Rank 96 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.23% | 0.17% | 0.57% | 1.10% | Beats 79% | 50 / 235 | ||
| Return on Equity | 7.80% | 1.03% | 4.30% | 7.58% | Beats 76% | 56 / 235 | ||
| Net Interest Margin | 2.90% | 3.32% | 3.89% | 4.35% | Beats 9% | 215 / 235 | ||
| Efficiency Ratio | 59.12% | 70.60% | 82.00% | 91.57% | Beats 94% | 16 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.29% | 0.20% | 0.59% | 1.14% | Beats 72% | 66 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.78% | 11.30% | 14.41% | 19.49% | Beats 59% | 96 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.78% | 11.30% | 14.41% | 19.49% | Beats 59% | 96 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.17% | 54.18% | 67.38% | 81.66% | 91st pctl | 21 / 235 | ||
| Loans / Assets | 77.71% | 43.80% | 56.63% | 68.64% | 91st pctl | 20 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||