San Antonio, TX · Charter 3064
NCUA · 3 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
57
Asset Quality
34
Profitability
4
Liquidity
72
Efficiency
2
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 3064
NCUA · 3 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 | -0.56% | -1.06% | -1.52% | -0.87% | -1.67% | -111 bps | |
| Return on Equity | -3.35% | -6.39% | -9.51% | -5.64% | -11.07% | -772 bps | |
| Net Interest Margin | 3.18% | 3.22% | 3.18% | 2.83% | 2.84% | -34 bps | |
| Efficiency Ratio | 93.83% | 95.15% | 99.62% | 109.37% | 122.59% | +2,876 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.34% | -2.04% | -2.78% | -2.25% | -2.93% | -327 bps | |
| Loan Growth (YoY) | -12.49% | -15.10% | -16.21% | -17.72% | -18.86% | -637 bps | |
| Share Growth (YoY) | 1.87% | -0.58% | -1.70% | -1.07% | -1.32% | -318 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.28% | 2.54% | 1.15% | 0.90% | 0.83% | -145 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.63% | 16.58% | 15.98% | 15.46% | 15.08% | -156 bps | |
| Net Worth / Assets | 16.63% | 16.58% | 15.98% | 15.46% | 15.08% | -156 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.14% | 88.84% | 83.44% | 77.54% | 74.12% | -1,603 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Antonio, TX · Charter 3064 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
Return on Assets
-1.67%
Rank 228 of 235
Net Interest Margin
2.84%
Rank 218 of 235
Efficiency Ratio
122.57%
Rank 231 of 235
Equity / Assets
15.08%
Rank 102 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.67% | 0.17% | 0.57% | 1.10% | Beats 3% | 228 / 235 | |
| Return on Equity | -11.06% | 1.03% | 4.30% | 7.58% | Beats 3% | 227 / 235 | |
| Net Interest Margin | 2.84% | 3.32% | 3.89% | 4.35% | Beats 7% | 218 / 235 | |
| Efficiency Ratio | 122.57% | 70.60% | 82.00% | 91.57% | Beats 2% | 231 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.83% | 0.20% | 0.59% | 1.14% | Beats 34% | 156 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.08% | 11.30% | 14.41% | 19.49% | Beats 57% | 102 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.08% | 11.30% | 14.41% | 19.49% | Beats 57% | 102 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.12% | 54.18% | 67.38% | 81.66% | 64th pctl | 85 / 235 | |
| Loans / Assets | 61.75% | 43.80% | 56.63% | 68.64% | 62nd pctl | 89 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||