Austin, TX · Charter 67537
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
61
Asset Quality
63
Profitability
48
Liquidity
0
Efficiency
35
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 67537
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 | 0.18% | 0.15% | 0.21% | 0.23% | 0.34% | +17 bps | |
| Return on Equity | 1.12% | 0.98% | 1.35% | 1.47% | 2.15% | +103 bps | |
| Net Interest Margin | 4.48% | 4.33% | 4.27% | 4.08% | 4.29% | -19 bps | |
| Efficiency Ratio | 87.34% | 88.22% | 88.66% | 83.70% | 86.78% | -57 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.48% | 0.34% | -1.45% | -0.91% | -0.79% | +169 bps | |
| Loan Growth (YoY) | -29.99% | -30.96% | -30.32% | -30.75% | -28.64% | +135 bps | |
| Share Growth (YoY) | -3.69% | -0.42% | -1.67% | -0.84% | -0.55% | +313 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 0.89% | 2.10% | 2.27% | 0.41% | -48 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 | 15.83% | 15.57% | 15.52% | 15.71% | 15.96% | +14 bps | |
| Net Worth / Assets | 15.83% | 15.57% | 15.52% | 15.71% | 15.96% | +14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.28% | 50.53% | 45.32% | 42.07% | 40.38% | -1,590 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Austin, TX · Charter 67537 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
0.35%
Rank 149 of 235
Net Interest Margin
4.29%
Rank 63 of 235
Efficiency Ratio
86.85%
Rank 154 of 235
Equity / Assets
15.96%
Rank 92 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.17% | 0.57% | 1.10% | Beats 37% | 149 / 235 | |
| Return on Equity | 2.17% | 1.03% | 4.30% | 7.58% | Beats 34% | 156 / 235 | |
| Net Interest Margin | 4.29% | 3.32% | 3.89% | 4.35% | Beats 73% | 63 / 235 | |
| Efficiency Ratio | 86.85% | 70.60% | 82.00% | 91.57% | Beats 35% | 154 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.41% | 0.20% | 0.59% | 1.14% | Beats 63% | 87 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.96% | 11.30% | 14.41% | 19.49% | Beats 61% | 92 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.96% | 11.30% | 14.41% | 19.49% | Beats 61% | 92 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 40.38% | 54.18% | 67.38% | 81.66% | 9th pctl | 213 / 235 | |
| Loans / Assets | 33.91% | 43.80% | 56.63% | 68.64% | 11th pctl | 208 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||