Travis County
Austin, TX · Charter 67604 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$42.7MAssets
$23.6MLoans
$38.4MShares
$4.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 69% of credit unions under $1B in assets in TX (rank 73 of 235).
- Widest gap: nonperforming loans / loans trails 89% of credit unions under $1B in assets in TX (rank 210 of 235).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 | 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 |