Austin Telco
Austin, TX · Charter 4584 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 24 branches
Q2 2026
$2.5BAssets
$1.9BLoans
$2.1BShares
$356.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 89% of credit unions $1B-$10B in assets (rank 50 of 435).
- Widest gap: net interest margin trails 97% of credit unions $1B-$10B in assets (rank 420 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |