Austin, TX · Charter 67428
NCUA · 5 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 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
53
Asset Quality
57
Profitability
54
Liquidity
74
Efficiency
90
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 67428
NCUA · 5 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 | 1.21% | 1.23% | 1.14% | 0.95% | 0.92% | -30 bps | |
| Return on Equity | 8.79% | 8.83% | 8.09% | 6.64% | 6.20% | -260 bps | |
| Net Interest Margin | 3.41% | 3.47% | 3.48% | 3.39% | 3.47% | +6 bps | |
| Efficiency Ratio | 58.24% | 57.78% | 61.58% | 61.69% | 62.34% | +411 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.71% | 2.95% | 1.74% | 0.45% | 0.07% | -264 bps | |
| Loan Growth (YoY) | 0.88% | 1.90% | 0.77% | -3.09% | -3.72% | -459 bps | |
| Share Growth (YoY) | 0.49% | 1.32% | -0.16% | -1.53% | -1.28% | -177 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 0.29% | 0.44% | 0.52% | 0.47% | 0 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 | 13.79% | 13.98% | 14.14% | 14.31% | 14.78% | +99 bps | |
| Net Worth / Assets | 13.79% | 13.98% | 14.14% | 14.31% | 14.78% | +99 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.17% | 61.45% | 59.84% | 58.59% | 60.64% | -153 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Austin, TX · Charter 67428 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 5 branches
Q2 2026
Return on Assets
0.92%
Rank 80 of 235
Net Interest Margin
3.47%
Rank 157 of 235
Efficiency Ratio
62.33%
Rank 24 of 235
Equity / Assets
14.78%
Rank 110 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.17% | 0.57% | 1.10% | Beats 66% | 80 / 235 | |
| Return on Equity | 6.20% | 1.03% | 4.30% | 7.58% | Beats 64% | 84 / 235 | |
| Net Interest Margin | 3.47% | 3.32% | 3.89% | 4.35% | Beats 33% | 157 / 235 | |
| Efficiency Ratio | 62.33% | 70.60% | 82.00% | 91.57% | Beats 90% | 24 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.47% | 0.20% | 0.59% | 1.14% | Beats 57% | 102 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.78% | 11.30% | 14.41% | 19.49% | Beats 53% | 110 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.78% | 11.30% | 14.41% | 19.49% | Beats 53% | 110 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.64% | 54.18% | 67.38% | 81.66% | 36th pctl | 150 / 235 | |
| Loans / Assets | 51.83% | 43.80% | 56.63% | 68.64% | 39th pctl | 143 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||