Austin, TX · Charter 67511
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
37
Asset Quality
80
Profitability
56
Liquidity
95
Efficiency
49
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 67511
NCUA · 2 branches
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 | 0.61% | 0.75% | 0.94% | 1.01% | 1.05% | 1.11% | 0.73% | 0.61% | -41 bps | |
| Return on Equity | 5.48% | 6.75% | 8.37% | 8.75% | 8.94% | 9.20% | 6.04% | 4.87% | -388 bps | |
| Net Interest Margin | 3.75% | 3.69% | 3.86% | 3.94% | 3.94% | 4.02% | 3.95% | 4.05% | +11 bps | |
| Efficiency Ratio | 80.03% | 78.61% | 69.69% | 70.86% | 71.81% | 71.34% | 79.13% | 82.31% | +1,145 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.20% | 1.32% | 2.02% | 3.83% | 4.51% | 0.53% | 1.18% | -0.07% | -390 bps | |
| Loan Growth (YoY) | -3.36% | -4.24% | -5.39% | -4.86% | -0.75% | 1.48% | 2.48% | -0.11% | +475 bps | |
| Share Growth (YoY) | -4.21% | 0.12% | 0.93% | 2.74% | 3.33% | -0.35% | 0.10% | -1.33% | -406 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.35% | 0.18% | 0.17% | 0.71% | 0.90% | 0.45% | 0.15% | -2 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 | 11.13% | 11.08% | 11.25% | 11.59% | 11.71% | 12.11% | 12.14% | 12.48% | +90 bps | |
| Net Worth / Assets | 11.13% | 11.08% | 11.25% | 11.59% | 11.71% | 12.11% | 12.14% | 12.48% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.38% | 65.49% | 64.16% | 65.22% | 65.68% | 66.70% | 65.68% | 66.02% | +80 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Austin, TX · Charter 67511 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
0.61%
Rank 113 of 235
Net Interest Margin
4.06%
Rank 89 of 235
Efficiency Ratio
82.29%
Rank 121 of 235
Equity / Assets
12.48%
Rank 148 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.61% | 0.17% | 0.57% | 1.10% | Beats 52% | 113 / 235 | ||
| Return on Equity | 4.87% | 1.03% | 4.30% | 7.58% | Beats 55% | 105 / 235 | ||
| Net Interest Margin | 4.06% | 3.32% | 3.89% | 4.35% | Beats 62% | 89 / 235 | ||
| Efficiency Ratio | 82.29% | 70.60% | 82.00% | 91.57% | Beats 49% | 121 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.20% | 0.59% | 1.14% | Beats 80% | 48 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.48% | 11.30% | 14.41% | 19.49% | Beats 37% | 148 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.48% | 11.30% | 14.41% | 19.49% | Beats 37% | 148 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.02% | 54.18% | 67.38% | 81.66% | 48th pctl | 123 / 235 | ||
| Loans / Assets | 57.34% | 43.80% | 56.63% | 68.64% | 51st pctl | 115 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||