Austin, TX · Charter 67661
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
70
Asset Quality
39
Profitability
80
Liquidity
56
Efficiency
71
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 67661
NCUA · 2 branches
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 | 0.74% | 0.74% | 0.64% | 0.89% | 0.22% | 0.58% | 0.06% | 1.33% | +44 bps | |
| Return on Equity | 4.39% | 4.26% | 3.66% | 5.14% | 1.27% | 3.20% | 0.32% | 7.42% | +227 bps | |
| Net Interest Margin | 4.39% | 4.54% | 4.72% | 4.64% | 4.86% | 4.96% | 4.78% | 4.63% | 0 bps | |
| Efficiency Ratio | 72.94% | 75.37% | 84.28% | 81.97% | 76.38% | 74.59% | 75.31% | 72.88% | -909 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.51% | -1.77% | -1.80% | -1.69% | -2.03% | -1.97% | 0.35% | 0.62% | +232 bps | |
| Loan Growth (YoY) | -6.04% | -3.87% | -7.64% | -7.83% | -10.90% | -14.27% | -17.54% | -19.70% | -1,187 bps | |
| Share Growth (YoY) | -13.82% | -3.05% | -3.20% | -4.65% | -2.03% | -5.35% | -0.02% | 1.35% | +600 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 1.03% | 0.40% | 0.97% | 1.78% | 2.15% | 1.46% | 0.74% | -24 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 | 16.89% | 17.32% | 17.47% | 17.23% | 17.58% | 18.26% | 17.83% | 17.90% | +67 bps | |
| Net Worth / Assets | 16.89% | 17.32% | 17.47% | 17.23% | 17.58% | 18.26% | 17.83% | 17.90% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.61% | 104.21% | 102.46% | 98.50% | 96.05% | 94.39% | 84.50% | 78.04% | -2,046 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 67661 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
1.33%
Rank 44 of 235
Net Interest Margin
4.63%
Rank 38 of 235
Efficiency Ratio
72.93%
Rank 68 of 235
Equity / Assets
17.90%
Rank 71 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.33% | 0.17% | 0.57% | 1.10% | Beats 81% | 44 / 235 | ||
| Return on Equity | 7.44% | 1.03% | 4.30% | 7.58% | Beats 74% | 62 / 235 | ||
| Net Interest Margin | 4.63% | 3.32% | 3.89% | 4.35% | Beats 84% | 38 / 235 | ||
| Efficiency Ratio | 72.93% | 70.60% | 82.00% | 91.57% | Beats 71% | 68 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.74% | 0.20% | 0.59% | 1.14% | Beats 39% | 145 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.90% | 11.30% | 14.41% | 19.49% | Beats 70% | 71 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.90% | 11.30% | 14.41% | 19.49% | Beats 70% | 71 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.04% | 54.18% | 67.38% | 81.66% | 70th pctl | 71 / 235 | ||
| Loans / Assets | 61.64% | 43.80% | 56.63% | 68.64% | 61st pctl | 91 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||