San Angelo, TX · Charter 67473
NCUA · 1 branch
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
26
Asset Quality
81
Profitability
50
Liquidity
70
Efficiency
59
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.
San Angelo, TX · Charter 67473
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.68% | 0.71% | 0.83% | 0.89% | 0.91% | 0.76% | 0.79% | -5 bps | |
| Return on Equity | 5.16% | 6.04% | 6.31% | 7.58% | 7.94% | 8.05% | 6.77% | 6.88% | -71 bps | |
| Net Interest Margin | 2.94% | 3.05% | 3.20% | 3.22% | 3.27% | 3.31% | 3.17% | 3.24% | +2 bps | |
| Efficiency Ratio | 84.16% | 83.75% | 81.42% | 78.29% | 77.20% | 76.74% | 78.62% | 78.22% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.18% | 1.83% | 0.92% | 7.50% | 6.01% | 7.74% | 8.17% | 2.98% | -452 bps | |
| Loan Growth (YoY) | -0.50% | 5.91% | 9.85% | 8.92% | 12.97% | 9.69% | 6.70% | 16.85% | +793 bps | |
| Share Growth (YoY) | 2.00% | 0.70% | -0.68% | 7.15% | 6.18% | 7.41% | 8.16% | 2.67% | -448 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.02% | 0.10% | 0.00% | 0.15% | 0.10% | 0.16% | 0.14% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.97% | 11.33% | 11.29% | 10.98% | 11.15% | 11.33% | 11.26% | 11.44% | +47 bps | |
| Net Worth / Assets | 10.97% | 11.33% | 11.29% | 10.98% | 11.15% | 11.33% | 11.26% | 11.44% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.91% | 54.44% | 55.42% | 52.36% | 54.17% | 55.60% | 54.67% | 59.59% | +723 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Angelo, TX · Charter 67473 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.79%
Rank 96 of 235
Net Interest Margin
3.24%
Rank 189 of 235
Efficiency Ratio
78.25%
Rank 98 of 235
Equity / Assets
11.44%
Rank 175 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.79% | 0.17% | 0.57% | 1.10% | Beats 59% | 96 / 235 | ||
| Return on Equity | 6.87% | 1.03% | 4.30% | 7.58% | Beats 70% | 71 / 235 | ||
| Net Interest Margin | 3.24% | 3.32% | 3.89% | 4.35% | Beats 20% | 189 / 235 | ||
| Efficiency Ratio | 78.25% | 70.60% | 82.00% | 91.57% | Beats 59% | 98 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.20% | 0.59% | 1.14% | Beats 81% | 46 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.44% | 11.30% | 14.41% | 19.49% | Beats 26% | 175 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.44% | 11.30% | 14.41% | 19.49% | Beats 26% | 175 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.59% | 54.18% | 67.38% | 81.66% | 34th pctl | 156 / 235 | ||
| Loans / Assets | 52.53% | 43.80% | 56.63% | 68.64% | 41st pctl | 138 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||