Austin, TX · Charter 67452
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
46
Asset Quality
11
Profitability
49
Liquidity
54
Efficiency
89
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 67452
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 | 1.24% | 1.02% | 0.83% | 0.70% | 0.65% | -58 bps | |
| Return on Equity | 9.50% | 7.90% | 6.63% | 5.48% | 4.75% | -475 bps | |
| Net Interest Margin | 3.81% | 3.75% | 3.61% | 3.44% | 3.68% | -14 bps | |
| Efficiency Ratio | 60.28% | 60.49% | 61.35% | 61.75% | 62.76% | +248 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.74% | 4.95% | 8.55% | 7.78% | -1.12% | -386 bps | |
| Loan Growth (YoY) | -5.02% | -6.82% | -9.55% | -12.12% | -13.54% | -852 bps | |
| Share Growth (YoY) | 1.03% | 3.09% | 9.03% | 8.16% | 5.90% | +487 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.92% | 2.01% | 2.25% | 2.29% | 2.17% | +25 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 | 13.03% | 12.87% | 12.51% | 12.75% | 13.77% | +74 bps | |
| Net Worth / Assets | 13.03% | 12.87% | 12.51% | 12.75% | 13.77% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.68% | 64.53% | 59.65% | 57.44% | 55.26% | -1,242 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Austin, TX · Charter 67452 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
0.65%
Rank 109 of 235
Net Interest Margin
3.68%
Rank 140 of 235
Efficiency Ratio
62.75%
Rank 26 of 235
Equity / Assets
13.77%
Rank 127 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.17% | 0.57% | 1.10% | Beats 54% | 109 / 235 | |
| Return on Equity | 4.75% | 1.03% | 4.30% | 7.58% | Beats 54% | 109 / 235 | |
| Net Interest Margin | 3.68% | 3.32% | 3.89% | 4.35% | Beats 40% | 140 / 235 | |
| Efficiency Ratio | 62.75% | 70.60% | 82.00% | 91.57% | Beats 89% | 26 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.17% | 0.20% | 0.59% | 1.14% | Beats 11% | 209 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.77% | 11.30% | 14.41% | 19.49% | Beats 46% | 127 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.77% | 11.30% | 14.41% | 19.49% | Beats 46% | 127 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.26% | 54.18% | 67.38% | 81.66% | 27th pctl | 172 / 235 | |
| Loans / Assets | 51.84% | 43.80% | 56.63% | 68.64% | 40th pctl | 142 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||