Atlanta, TX · Charter 60491
NCUA · 1 branch
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
79
Asset Quality
40
Profitability
39
Liquidity
5
Efficiency
13
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.
Atlanta, TX · Charter 60491
NCUA · 1 branch
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 | 0.42% | 0.16% | -0.07% | 0.44% | 0.47% | 0.59% | -0.32% | 0.02% | -42 bps | |
| Return on Equity | 2.37% | 0.88% | -0.37% | 2.25% | 2.36% | 2.92% | -1.55% | 0.11% | -214 bps | |
| Net Interest Margin | 4.72% | 4.98% | 4.90% | 5.18% | 5.26% | 5.18% | 4.38% | 4.61% | -57 bps | |
| Efficiency Ratio | 91.75% | 92.08% | 101.36% | 92.00% | 91.53% | 89.37% | 106.72% | 96.99% | +499 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.23% | -5.02% | -7.01% | -9.51% | -12.25% | -8.00% | -7.98% | -4.71% | +480 bps | |
| Loan Growth (YoY) | 0.18% | 2.99% | 3.64% | 7.14% | 3.70% | -2.75% | -10.52% | -16.24% | -2,338 bps | |
| Share Growth (YoY) | -2.13% | -8.78% | -8.77% | -11.76% | -15.08% | -7.88% | -10.24% | -6.09% | +567 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.56% | 0.42% | 0.51% | 0.60% | 0.67% | 0.70% | 0.72% | +21 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 | 0.38% | 0.74% | 0.74% | 0.71% | 0.59% | 0.93% | 1.09% | 1.11% | +41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.63% | 18.33% | 18.99% | 19.65% | 20.12% | 20.11% | 20.77% | 20.70% | +105 bps | |
| Net Worth / Assets | 17.63% | 18.33% | 18.99% | 19.65% | 20.12% | 20.11% | 20.77% | 20.70% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.24% | 91.01% | 93.19% | 101.05% | 101.64% | 96.08% | 92.89% | 90.13% | -1,092 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Atlanta, TX · Charter 60491 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.03%
Rank 196 of 235
Net Interest Margin
4.59%
Rank 40 of 235
Efficiency Ratio
97.16%
Rank 205 of 235
Equity / Assets
20.69%
Rank 50 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.03% | 0.17% | 0.57% | 1.10% | Beats 17% | 196 / 235 | ||
| Return on Equity | 0.14% | 1.03% | 4.30% | 7.58% | Beats 17% | 196 / 235 | ||
| Net Interest Margin | 4.59% | 3.32% | 3.89% | 4.35% | Beats 83% | 40 / 235 | ||
| Efficiency Ratio | 97.16% | 70.60% | 82.00% | 91.57% | Beats 13% | 205 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.71% | 0.20% | 0.59% | 1.14% | Beats 40% | 141 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.69% | 11.30% | 14.41% | 19.49% | Beats 79% | 50 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.69% | 11.30% | 14.41% | 19.49% | Beats 79% | 50 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.13% | 54.18% | 67.38% | 81.66% | 88th pctl | 29 / 235 | ||
| Loans / Assets | 70.99% | 43.80% | 56.63% | 68.64% | 78th pctl | 51 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||