Austin, TX · Charter 67604
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
12
Asset Quality
11
Profitability
56
Liquidity
78
Efficiency
29
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 67604
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 | 0.61% | 0.59% | 1.05% | 0.65% | 0.54% | 0.41% | 0.42% | 0.46% | -19 bps | |
| Return on Equity | 6.95% | 6.53% | 11.21% | 6.98% | 5.88% | 4.36% | 4.54% | 4.83% | -215 bps | |
| Net Interest Margin | 3.88% | 4.05% | 4.30% | 4.20% | 4.20% | 4.31% | 4.15% | 4.15% | -5 bps | |
| Efficiency Ratio | 86.75% | 86.46% | 69.61% | 77.19% | 78.48% | 79.97% | 90.96% | 90.21% | +1,302 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.96% | 2.85% | 1.81% | 2.40% | 0.70% | 0.75% | 2.47% | 0.59% | -181 bps | |
| Loan Growth (YoY) | -5.15% | -9.12% | -9.41% | -8.76% | -9.37% | -3.43% | -2.35% | -4.21% | +456 bps | |
| Share Growth (YoY) | 2.16% | 2.57% | 1.21% | 2.13% | 0.42% | 0.41% | 2.37% | 0.38% | -175 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 1.02% | 1.03% | 0.84% | 0.46% | 0.37% | 0.15% | 2.24% | +140 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 | 8.81% | 9.02% | 9.39% | 9.26% | 9.20% | 9.29% | 9.35% | 9.45% | +19 bps | |
| Net Worth / Assets | 8.81% | 9.02% | 9.39% | 9.26% | 9.20% | 9.29% | 9.35% | 9.45% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.74% | 65.99% | 66.15% | 64.45% | 62.04% | 63.47% | 63.11% | 61.50% | -294 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 67604 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.45%
Rank 132 of 235
Net Interest Margin
4.15%
Rank 73 of 235
Efficiency Ratio
90.18%
Rank 168 of 235
Equity / Assets
9.45%
Rank 206 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.45% | 0.17% | 0.57% | 1.10% | Beats 44% | 132 / 235 | ||
| Return on Equity | 4.81% | 1.03% | 4.30% | 7.58% | Beats 54% | 107 / 235 | ||
| Net Interest Margin | 4.15% | 3.32% | 3.89% | 4.35% | Beats 69% | 73 / 235 | ||
| Efficiency Ratio | 90.18% | 70.60% | 82.00% | 91.57% | Beats 29% | 168 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.24% | 0.20% | 0.59% | 1.14% | Beats 11% | 210 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.45% | 11.30% | 14.41% | 19.49% | Beats 12% | 206 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.45% | 11.30% | 14.41% | 19.49% | Beats 12% | 206 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.50% | 54.18% | 67.38% | 81.66% | 38th pctl | 146 / 235 | ||
| Loans / Assets | 55.31% | 43.80% | 56.63% | 68.64% | 47th pctl | 124 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||