Austin, TX · Charter 4584
NCUA · 24 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
89
Asset Quality
85
Profitability
17
Liquidity
98
Efficiency
34
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.
Austin, TX · Charter 4584
NCUA · 24 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 | 0.65% | 0.61% | 0.47% | 0.50% | 0.47% | 0.50% | 0.57% | 0.60% | +9 bps | |
| Return on Equity | 4.89% | 4.52% | 3.46% | 3.71% | 3.43% | 3.69% | 4.13% | 4.24% | +53 bps | |
| Net Interest Margin | 1.70% | 1.74% | 1.90% | 1.96% | 2.01% | 2.05% | 2.16% | 2.24% | +29 bps | |
| Efficiency Ratio | 64.36% | 66.76% | 75.22% | 74.12% | 73.03% | 72.57% | 76.11% | 75.34% | +122 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.29% | 1.73% | 3.21% | 2.85% | 1.07% | 1.32% | 0.89% | -0.28% | -313 bps | |
| Loan Growth (YoY) | -0.72% | 0.92% | 3.75% | 5.25% | 4.24% | 2.11% | 0.59% | 5.96% | +71 bps | |
| Share Growth (YoY) | -5.85% | 1.71% | 8.23% | 9.78% | 7.73% | 3.18% | -0.84% | -2.32% | -1,210 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.64% | 0.42% | 0.41% | 0.42% | 0.50% | 0.37% | 0.35% | -6 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 | 13.29% | 13.37% | 13.47% | 13.50% | 13.57% | 13.66% | 13.84% | 14.04% | +55 bps | |
| Net Worth / Assets | 13.29% | 13.37% | 13.47% | 13.50% | 13.57% | 13.66% | 13.84% | 14.04% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.69% | 82.63% | 80.83% | 81.08% | 81.95% | 81.77% | 81.99% | 87.95% | +687 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Austin, TX · Charter 4584 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 24 branches
Q2 2026
Return on Assets
0.60%
Rank 310 of 435
Net Interest Margin
2.24%
Rank 420 of 435
Efficiency Ratio
75.34%
Rank 289 of 435
Equity / Assets
14.04%
Rank 50 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.60% | 0.55% | 0.81% | 1.14% | Beats 29% | 310 / 435 | ||
| Return on Equity | 4.24% | 5.12% | 7.41% | 9.70% | Beats 19% | 354 / 435 | ||
| Net Interest Margin | 2.24% | 3.01% | 3.39% | 3.75% | Beats 3% | 420 / 435 | ||
| Efficiency Ratio | 75.34% | 65.25% | 71.39% | 77.86% | Beats 34% | 289 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.35% | 0.45% | 0.69% | 1.05% | Beats 85% | 67 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.04% | 9.81% | 10.84% | 12.63% | Beats 89% | 50 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.04% | 9.81% | 10.84% | 12.63% | Beats 89% | 50 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.95% | 78.33% | 88.38% | 95.61% | 49th pctl | 224 / 435 | ||
| Loans / Assets | 73.43% | 67.69% | 74.58% | 80.80% | 45th pctl | 239 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||