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San Antonio, TX · Charter 3064 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$57.7MAssets
$35.6MLoans
$48.1MShares
$8.7MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 57% of credit unions under $1B in assets in TX (rank 102 of 235).
- Widest gap: efficiency ratio trails 98% of credit unions under $1B in assets in TX (rank 231 of 235).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |