PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Austin City Employees

Austin, MN · Charter 64186

NCUA · 1 branch

Q2 2026

$11.6MAssets
$6.7MLoans
$9.3MShares
$2.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.86%, up 31 bps year over year; NIM at 4.77%.
  • Asset quality: problem loans at 0.00% of loans (-114 bps YoY).
  • Capital: net worth / assets of 19.09%, up 132 bps from a year ago.
  • Funding: loans stand at 71.48% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.86%+31 bps YoY

Net Interest Margin (YTD, annualized)

4.77%-12 bps YoY

Efficiency Ratio (YTD, annualized)

64.49%-43 bps YoY

Net Worth / Assets

19.09%+132 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.63%0.98%1.55%1.70%1.80%1.92%1.86%+31 bps
Return on Equity9.77%9.80%5.88%8.73%9.36%9.77%10.20%9.72%+100 bps
Net Interest Margin4.46%4.50%4.63%4.89%4.89%4.83%4.78%4.77%-12 bps
Efficiency Ratio65.21%65.10%68.81%64.92%64.21%63.32%63.67%64.49%-43 bps
Growth
Asset Growth (YoY)5.71%3.28%3.24%-1.80%-0.94%-0.07%-1.11%3.61%+541 bps
Loan Growth (YoY)4.25%5.13%3.70%2.03%-5.46%-3.39%-4.44%-1.42%-346 bps
Share Growth (YoY)4.94%2.25%2.28%-3.86%-3.27%-2.28%-3.85%1.82%+568 bps
Asset Quality
Delinquent Loans / Loans0.38%0.37%0.12%1.14%0.35%0.06%0.00%0.00%-114 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.25%16.60%16.61%17.77%18.11%18.39%18.80%19.09%+132 bps
Net Worth / Assets16.25%16.60%16.61%17.77%18.11%18.39%18.80%19.09%+132 bps
Liquidity & Funding
Loans / Shares71.75%71.91%69.91%73.83%70.12%71.09%69.47%71.48%-235 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps