PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Travis County

Austin, TX · Charter 67604

NCUA · 1 branch

Q2 2026

$42.7MAssets
$23.6MLoans
$38.4MShares
$4.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.46%, down 19 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 2.24% of loans (+140 bps YoY).
  • Capital: net worth / assets of 9.45%, up 19 bps from a year ago.
  • Funding: loans stand at 61.50% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.46%-19 bps YoY

Net Interest Margin (quarter, annualized)

4.15%-5 bps YoY

Efficiency Ratio (quarter, annualized)

90.21%+1,302 bps YoY

Net Worth / Assets

9.45%+19 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.54%0.41%0.42%0.46%-19 bps
Return on Equity6.98%5.88%4.36%4.54%4.83%-215 bps
Net Interest Margin4.20%4.20%4.31%4.15%4.15%-5 bps
Efficiency Ratio77.19%78.48%79.97%90.96%90.21%+1,302 bps
Growth
Asset Growth (YoY)2.40%0.70%0.75%2.47%0.59%-181 bps
Loan Growth (YoY)-8.76%-9.37%-3.43%-2.35%-4.21%+456 bps
Share Growth (YoY)2.13%0.42%0.41%2.37%0.38%-175 bps
Asset Quality
Delinquent Loans / Loans0.84%0.46%0.37%0.15%2.24%+140 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.26%9.20%9.29%9.35%9.45%+19 bps
Net Worth / Assets9.26%9.20%9.29%9.35%9.45%+19 bps
Liquidity & Funding
Loans / Shares64.45%62.04%63.47%63.11%61.50%-294 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps