San Antonio, TX · Charter 61267
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
0
Asset Quality
7
Profitability
53
Liquidity
60
Efficiency
3
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.
San Antonio, TX · Charter 61267
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 | -2.01% | -2.88% | -2.05% | -5.89% | -4.83% | -5.65% | 0.00% | 0.42% | +631 bps | |
| Return on Equity | -20.11% | -31.55% | -23.89% | -88.56% | -78.41% | -127.21% | -0.02% | 8.21% | +9,677 bps | |
| Net Interest Margin | 3.78% | 3.80% | 3.28% | 3.50% | 3.31% | 3.24% | 3.46% | 3.65% | +14 bps | |
| Efficiency Ratio | 103.70% | 111.00% | 134.04% | 131.43% | 135.71% | 137.94% | 100.02% | 122.39% | -904 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.23% | -6.59% | -8.35% | -9.87% | -10.67% | -9.64% | -13.12% | -14.73% | -486 bps | |
| Loan Growth (YoY) | -7.20% | -13.90% | -18.84% | -17.80% | -17.04% | -21.82% | -22.55% | -24.66% | -686 bps | |
| Share Growth (YoY) | 3.77% | -0.28% | -2.34% | -5.90% | -7.55% | -5.38% | -8.91% | -12.35% | -644 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.34% | 2.80% | 3.20% | 3.40% | 3.16% | 2.37% | 2.53% | 3.04% | -36 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 | 9.99% | 9.12% | 8.60% | 6.65% | 6.16% | 4.44% | 4.61% | 5.16% | -149 bps | |
| Net Worth / Assets | 9.99% | 9.12% | 8.60% | 6.65% | 6.16% | 4.44% | 4.61% | 5.16% | -149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.40% | 94.60% | 88.89% | 89.43% | 86.51% | 78.16% | 75.58% | 76.87% | -1,257 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Antonio, TX · Charter 61267 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.43%
Rank 138 of 235
Net Interest Margin
3.66%
Rank 144 of 235
Efficiency Ratio
122.40%
Rank 230 of 235
Equity / Assets
5.17%
Rank 235 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.43% | 0.17% | 0.57% | 1.10% | Beats 41% | 138 / 235 | ||
| Return on Equity | 8.41% | 1.03% | 4.30% | 7.58% | Beats 79% | 49 / 235 | ||
| Net Interest Margin | 3.66% | 3.32% | 3.89% | 4.35% | Beats 39% | 144 / 235 | ||
| Efficiency Ratio | 122.40% | 70.60% | 82.00% | 91.57% | Beats 3% | 230 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.04% | 0.20% | 0.59% | 1.14% | Beats 7% | 220 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 5.17% | 11.30% | 14.41% | 19.49% | Beats 0% | 235 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 5.17% | 11.30% | 14.41% | 19.49% | Beats 0% | 235 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.87% | 54.18% | 67.38% | 81.66% | 69th pctl | 74 / 235 | ||
| Loans / Assets | 72.86% | 43.80% | 56.63% | 68.64% | 83rd pctl | 41 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||