San Angelo, TX · Charter 67835
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
42
Asset Quality
53
Profitability
62
Liquidity
57
Efficiency
48
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.
San Angelo, TX · Charter 67835
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 | 0.58% | 0.58% | 0.68% | 0.66% | 0.63% | 0.64% | 0.59% | 0.67% | 0 bps | |
| Return on Equity | 4.69% | 4.60% | 5.44% | 5.30% | 5.04% | 5.04% | 4.44% | 5.00% | -31 bps | |
| Net Interest Margin | 3.92% | 3.98% | 4.08% | 4.12% | 4.11% | 4.20% | 4.33% | 4.35% | +23 bps | |
| Efficiency Ratio | 87.06% | 86.96% | 82.28% | 85.74% | 86.06% | 85.67% | 83.53% | 82.47% | -327 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.60% | 3.21% | 4.31% | 4.41% | 4.27% | 3.48% | -0.44% | -1.34% | -575 bps | |
| Loan Growth (YoY) | 3.01% | -0.78% | -2.31% | -2.36% | -3.39% | -1.09% | -5.00% | -4.54% | -218 bps | |
| Share Growth (YoY) | 11.43% | 2.82% | 4.16% | 4.31% | 4.21% | 3.26% | -1.13% | -2.10% | -641 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.62% | 0.20% | 0.15% | 0.30% | 0.40% | 0.31% | 0.54% | +39 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 | 12.41% | 12.57% | 12.49% | 12.51% | 12.51% | 12.79% | 13.18% | 13.33% | +82 bps | |
| Net Worth / Assets | 12.41% | 12.57% | 12.49% | 12.51% | 12.51% | 12.79% | 13.18% | 13.33% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.86% | 82.56% | 81.24% | 79.71% | 77.75% | 79.08% | 78.06% | 77.72% | -199 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Angelo, TX · Charter 67835 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
0.67%
Rank 108 of 235
Net Interest Margin
4.35%
Rank 59 of 235
Efficiency Ratio
82.47%
Rank 124 of 235
Equity / Assets
13.33%
Rank 136 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.67% | 0.17% | 0.57% | 1.10% | Beats 54% | 108 / 235 | ||
| Return on Equity | 5.00% | 1.03% | 4.30% | 7.58% | Beats 57% | 102 / 235 | ||
| Net Interest Margin | 4.35% | 3.32% | 3.89% | 4.35% | Beats 75% | 59 / 235 | ||
| Efficiency Ratio | 82.47% | 70.60% | 82.00% | 91.57% | Beats 48% | 124 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.54% | 0.20% | 0.59% | 1.14% | Beats 53% | 112 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.33% | 11.30% | 14.41% | 19.49% | Beats 42% | 136 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.33% | 11.30% | 14.41% | 19.49% | Beats 42% | 136 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.73% | 54.18% | 67.38% | 81.66% | 69th pctl | 72 / 235 | ||
| Loans / Assets | 67.09% | 43.80% | 56.63% | 68.64% | 74th pctl | 62 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||