Austin, TX · Charter 67512
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
83
Asset Quality
5
Profitability
87
Liquidity
0
Efficiency
99
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 67512
NCUA · 1 branch
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 | 1.51% | 3.25% | 2.92% | 1.72% | 3.94% | +244 bps | |
| Return on Equity | 7.57% | 15.45% | 13.48% | 7.90% | 17.66% | +1,009 bps | |
| Net Interest Margin | 4.17% | 4.11% | 4.20% | 4.26% | 4.04% | -13 bps | |
| Efficiency Ratio | 66.35% | 47.24% | 49.06% | 60.69% | 39.93% | -2,642 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.03% | 2.33% | 5.70% | 4.29% | 8.36% | +938 bps | |
| Loan Growth (YoY) | -0.26% | 0.45% | 3.76% | 4.95% | 6.54% | +680 bps | |
| Share Growth (YoY) | -3.72% | -1.50% | 2.96% | 1.22% | 6.01% | +972 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.69% | 1.93% | 0.99% | 3.79% | +361 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 | 19.87% | 21.02% | 21.64% | 21.76% | 22.32% | +245 bps | |
| Net Worth / Assets | 19.87% | 21.02% | 21.64% | 21.76% | 22.32% | +245 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.19% | 97.74% | 100.67% | 100.22% | 98.68% | +50 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Austin, TX · Charter 67512 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
3.94%
Rank 1 of 235
Net Interest Margin
4.04%
Rank 92 of 235
Efficiency Ratio
39.94%
Rank 3 of 235
Equity / Assets
22.32%
Rank 39 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.94% | 0.17% | 0.57% | 1.10% | Beats 100% | 1 / 235 | |
| Return on Equity | 17.66% | 1.03% | 4.30% | 7.58% | Beats 99% | 3 / 235 | |
| Net Interest Margin | 4.04% | 3.32% | 3.89% | 4.35% | Beats 61% | 92 / 235 | |
| Efficiency Ratio | 39.94% | 70.60% | 82.00% | 91.57% | Beats 99% | 3 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.79% | 0.20% | 0.59% | 1.14% | Beats 5% | 224 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 22.32% | 11.30% | 14.41% | 19.49% | Beats 83% | 39 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 22.32% | 11.30% | 14.41% | 19.49% | Beats 83% | 39 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.68% | 54.18% | 67.38% | 81.66% | 98th pctl | 5 / 235 | |
| Loans / Assets | 74.54% | 43.80% | 56.63% | 68.64% | 86th pctl | 32 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||