Abilene, TX · Charter 67542
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
30
Asset Quality
22
Profitability
64
Liquidity
5
Efficiency
81
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.
Abilene, TX · Charter 67542
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 | 1.48% | 1.36% | 1.36% | 1.27% | 1.34% | -13 bps | |
| Return on Equity | 12.39% | 11.47% | 11.47% | 10.87% | 11.47% | -92 bps | |
| Net Interest Margin | 3.68% | 3.60% | 3.50% | 3.24% | 3.22% | -46 bps | |
| Efficiency Ratio | 67.58% | 69.09% | 68.29% | 73.13% | 68.22% | +64 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.31% | 4.84% | 9.04% | 10.62% | 14.01% | +1,732 bps | |
| Loan Growth (YoY) | -11.16% | -6.64% | 2.23% | 4.06% | 9.72% | +2,088 bps | |
| Share Growth (YoY) | -5.40% | 3.76% | 8.08% | 10.51% | 14.47% | +1,987 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.05% | 0.00% | 0.16% | 0.55% | 1.24% | +118 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 | 11.92% | 11.89% | 11.83% | 11.71% | 11.72% | -20 bps | |
| Net Worth / Assets | 11.92% | 11.89% | 11.83% | 11.71% | 11.72% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.40% | 42.76% | 43.66% | 41.20% | 42.56% | -184 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Abilene, TX · Charter 67542 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
1.35%
Rank 43 of 235
Net Interest Margin
3.23%
Rank 193 of 235
Efficiency Ratio
68.27%
Rank 46 of 235
Equity / Assets
11.72%
Rank 164 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.35% | 0.17% | 0.57% | 1.10% | Beats 82% | 43 / 235 | |
| Return on Equity | 11.50% | 1.03% | 4.30% | 7.58% | Beats 91% | 20 / 235 | |
| Net Interest Margin | 3.23% | 3.32% | 3.89% | 4.35% | Beats 18% | 193 / 235 | |
| Efficiency Ratio | 68.27% | 70.60% | 82.00% | 91.57% | Beats 81% | 46 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.24% | 0.20% | 0.59% | 1.14% | Beats 22% | 184 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.72% | 11.30% | 14.41% | 19.49% | Beats 30% | 164 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.72% | 11.30% | 14.41% | 19.49% | Beats 30% | 164 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.56% | 54.18% | 67.38% | 81.66% | 11th pctl | 209 / 235 | |
| Loans / Assets | 37.55% | 43.80% | 56.63% | 68.64% | 17th pctl | 195 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||