Abilene, TX · Charter 67439
NCUA · 2 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
67
Asset Quality
52
Profitability
61
Liquidity
0
Efficiency
79
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.
Abilene, TX · Charter 67439
NCUA · 2 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 | 0.83% | 1.10% | 1.23% | 0.90% | 0.96% | +13 bps | |
| Return on Equity | 4.68% | 6.17% | 6.84% | 5.13% | 5.58% | +90 bps | |
| Net Interest Margin | 4.02% | 4.13% | 4.00% | 4.09% | 3.96% | -6 bps | |
| Efficiency Ratio | 68.30% | 64.96% | 62.96% | 68.92% | 69.13% | +83 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.68% | -2.42% | 2.50% | 7.69% | 10.63% | +1,230 bps | |
| Loan Growth (YoY) | -2.93% | 3.95% | 5.45% | 4.62% | 3.25% | +618 bps | |
| Share Growth (YoY) | -4.40% | -4.61% | 1.62% | 7.14% | 12.35% | +1,675 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 0.27% | 0.45% | 0.07% | 0.54% | +38 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 | 17.63% | 17.85% | 17.95% | 17.49% | 17.19% | -44 bps | |
| Net Worth / Assets | 17.63% | 17.85% | 17.95% | 17.49% | 17.19% | -44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 104.18% | 105.31% | 104.67% | 99.24% | 95.74% | -844 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Abilene, TX · Charter 67439 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
0.95%
Rank 73 of 235
Net Interest Margin
3.96%
Rank 108 of 235
Efficiency Ratio
69.15%
Rank 50 of 235
Equity / Assets
17.19%
Rank 77 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 0.17% | 0.57% | 1.10% | Beats 69% | 73 / 235 | |
| Return on Equity | 5.55% | 1.03% | 4.30% | 7.58% | Beats 61% | 92 / 235 | |
| Net Interest Margin | 3.96% | 3.32% | 3.89% | 4.35% | Beats 54% | 108 / 235 | |
| Efficiency Ratio | 69.15% | 70.60% | 82.00% | 91.57% | Beats 79% | 50 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.54% | 0.20% | 0.59% | 1.14% | Beats 52% | 113 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.19% | 11.30% | 14.41% | 19.49% | Beats 67% | 77 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.19% | 11.30% | 14.41% | 19.49% | Beats 67% | 77 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.74% | 54.18% | 67.38% | 81.66% | 94th pctl | 13 / 235 | |
| Loans / Assets | 78.79% | 43.80% | 56.63% | 68.64% | 94th pctl | 14 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||