Vatat
Austin, TX · Charter 67661 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$11.0MAssets
$6.8MLoans
$8.7MShares
$2.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 84% of credit unions under $1B in assets in TX (rank 38 of 235).
- Widest gap: nonperforming loans / loans trails 61% of credit unions under $1B in assets in TX (rank 145 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 | 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 |