Austin City Employees
Austin, MN · Charter 64186 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$11.6MAssets
$6.7MLoans
$9.3MShares
$2.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: return on equity trails 19% of credit unions under $1B in assets (rank 319 of 1681).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.85%
Rank 105 of 1,683
Net Interest Margin
4.77%
Rank 221 of 1,683
Efficiency Ratio
64.36%
Rank 276 of 1,682
Equity / Assets
19.09%
Rank 268 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.85% | 0.35% | 0.74% | 1.18% | Beats 94% | 105 / 1,683 | |
| Return on Equity | 9.68% | 2.67% | 5.89% | 8.74% | Beats 81% | 319 / 1,681 | |
| Net Interest Margin | 4.77% | 3.31% | 3.82% | 4.32% | Beats 87% | 221 / 1,683 | |
| Efficiency Ratio | 64.36% | 68.91% | 78.20% | 86.93% | Beats 84% | 276 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.09% | 10.44% | 12.89% | 16.53% | Beats 84% | 268 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.09% | 10.44% | 12.89% | 16.53% | Beats 84% | 268 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 71.49% | 52.61% | 69.38% | 83.50% | 54th pctl | 774 / 1,683 | |
| Loans / Assets | 57.53% | 44.71% | 59.18% | 70.72% | 46th pctl | 902 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |