PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Austin Telco

Austin, TX · Charter 4584

NCUA · 24 branches

Q2 2026

$2.5BAssets
$1.9BLoans
$2.1BShares
$356.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.60%, up 9 bps year over year; NIM at 2.24%.
  • Asset quality: problem loans at 0.35% of loans (-6 bps YoY).
  • Capital: net worth / assets of 14.04%, up 55 bps from a year ago.
  • Funding: loans stand at 87.95% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.60%+9 bps YoY

Net Interest Margin (quarter, annualized)

2.24%+29 bps YoY

Efficiency Ratio (quarter, annualized)

75.34%+122 bps YoY

Net Worth / Assets

14.04%+55 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.47%0.50%0.57%0.60%+9 bps
Return on Equity3.71%3.43%3.69%4.13%4.24%+53 bps
Net Interest Margin1.96%2.01%2.05%2.16%2.24%+29 bps
Efficiency Ratio74.12%73.03%72.57%76.11%75.34%+122 bps
Growth
Asset Growth (YoY)2.85%1.07%1.32%0.89%-0.28%-313 bps
Loan Growth (YoY)5.25%4.24%2.11%0.59%5.96%+71 bps
Share Growth (YoY)9.78%7.73%3.18%-0.84%-2.32%-1,210 bps
Asset Quality
Delinquent Loans / Loans0.41%0.42%0.50%0.37%0.35%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.50%13.57%13.66%13.84%14.04%+55 bps
Net Worth / Assets13.50%13.57%13.66%13.84%14.04%+55 bps
Liquidity & Funding
Loans / Shares81.08%81.95%81.77%81.99%87.95%+687 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps