San Antonio, TX · Charter 62509
NCUA · 13 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
21
Asset Quality
48
Profitability
48
Liquidity
35
Efficiency
38
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 62509
NCUA · 13 branches
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 | -0.07% | 0.09% | -0.03% | 0.10% | 0.06% | -0.42% | 0.68% | 0.69% | +59 bps | |
| Return on Equity | -0.67% | 0.87% | -0.26% | 0.97% | 0.60% | -4.34% | 7.08% | 7.22% | +625 bps | |
| Net Interest Margin | 3.12% | 3.19% | 3.13% | 3.19% | 3.30% | 3.33% | 3.54% | 3.50% | +32 bps | |
| Efficiency Ratio | 90.43% | 88.03% | 87.31% | 85.63% | 83.42% | 89.70% | 75.22% | 74.76% | -1,087 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.58% | -1.57% | 0.67% | 2.40% | 1.68% | 4.89% | 4.40% | 5.02% | +261 bps | |
| Loan Growth (YoY) | 3.65% | 7.56% | 7.02% | 6.61% | 10.86% | 10.46% | 10.72% | 14.86% | +826 bps | |
| Share Growth (YoY) | 0.59% | 1.43% | 3.24% | 4.60% | 4.95% | 6.91% | 5.66% | 5.75% | +115 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.74% | 0.61% | 0.63% | 0.65% | 0.82% | 0.71% | 0.70% | +8 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 | 10.39% | 10.72% | 10.36% | 10.28% | 10.34% | 9.73% | 9.63% | 9.62% | -66 bps | |
| Net Worth / Assets | 10.39% | 10.72% | 10.36% | 10.28% | 10.34% | 9.73% | 9.63% | 9.62% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.65% | 68.20% | 66.51% | 67.33% | 70.41% | 70.47% | 69.69% | 73.13% | +580 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 62509 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
Return on Assets
0.69%
Rank 277 of 435
Net Interest Margin
3.50%
Rank 178 of 435
Efficiency Ratio
74.76%
Rank 270 of 435
Equity / Assets
9.62%
Rank 342 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.69% | 0.55% | 0.81% | 1.14% | Beats 36% | 277 / 435 | ||
| Return on Equity | 7.22% | 5.12% | 7.41% | 9.70% | Beats 48% | 226 / 435 | ||
| Net Interest Margin | 3.50% | 3.01% | 3.39% | 3.75% | Beats 59% | 178 / 435 | ||
| Efficiency Ratio | 74.76% | 65.25% | 71.39% | 77.86% | Beats 38% | 270 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.70% | 0.45% | 0.69% | 1.05% | Beats 48% | 226 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.62% | 9.81% | 10.84% | 12.63% | Beats 21% | 342 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.62% | 9.81% | 10.84% | 12.63% | Beats 21% | 342 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.13% | 78.33% | 88.38% | 95.61% | 17th pctl | 361 / 435 | ||
| Loans / Assets | 65.71% | 67.69% | 74.58% | 80.80% | 20th pctl | 347 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||