Austin, TX · Charter 6178
NCUA · 22 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
86
Asset Quality
3
Profitability
62
Liquidity
14
Efficiency
74
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 6178
NCUA · 22 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 1.03% | 0.96% | 0.69% | 0.89% | +25 bps | |
| Return on Equity | 4.89% | 7.63% | 7.12% | 5.06% | 6.53% | +164 bps | |
| Net Interest Margin | 3.94% | 3.95% | 3.95% | 3.99% | 4.05% | +10 bps | |
| Efficiency Ratio | 66.02% | 63.61% | 64.43% | 68.63% | 65.81% | -21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.67% | 2.09% | 3.23% | 2.48% | 2.85% | +452 bps | |
| Loan Growth (YoY) | -4.28% | -3.11% | -0.36% | 0.31% | 0.44% | +473 bps | |
| Share Growth (YoY) | 1.29% | 3.04% | 4.01% | 2.34% | 1.86% | +57 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.24% | 2.36% | 2.37% | 2.04% | 2.08% | -16 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.17% | 13.48% | 13.53% | 13.63% | 13.67% | +50 bps | |
| Net Worth / Assets | 13.17% | 13.48% | 13.53% | 13.63% | 13.67% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 101.79% | 100.95% | 100.71% | 100.23% | 100.38% | -141 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Austin, TX · Charter 6178 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 22 branches
Q2 2026
Return on Assets
0.89%
Rank 181 of 435
Net Interest Margin
4.05%
Rank 47 of 435
Efficiency Ratio
65.81%
Rank 115 of 435
Equity / Assets
13.67%
Rank 63 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.55% | 0.81% | 1.14% | Beats 58% | 181 / 435 | |
| Return on Equity | 6.53% | 5.12% | 7.41% | 9.70% | Beats 39% | 265 / 435 | |
| Net Interest Margin | 4.05% | 3.01% | 3.39% | 3.75% | Beats 89% | 47 / 435 | |
| Efficiency Ratio | 65.81% | 65.25% | 71.39% | 77.86% | Beats 74% | 115 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.08% | 0.45% | 0.69% | 1.05% | Beats 3% | 422 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.68% | 9.81% | 10.84% | 12.63% | Beats 86% | 63 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.67% | 9.81% | 10.84% | 12.63% | Beats 86% | 63 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 100.38% | 78.33% | 88.38% | 95.61% | 87th pctl | 57 / 435 | |
| Loans / Assets | 80.29% | 67.69% | 74.58% | 80.80% | 72nd pctl | 122 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||