Capitol
Austin, TX · Charter 67865 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$233.9MAssets
$173.8MLoans
$203.6MShares
$28.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 75% of credit unions under $1B in assets in TX (rank 59 of 235).
- Widest gap: efficiency ratio trails 76% of credit unions under $1B in assets in TX (rank 179 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.25%
Rank 163 of 235
Net Interest Margin
3.71%
Rank 139 of 235
Efficiency Ratio
91.69%
Rank 179 of 235
Equity / Assets
12.00%
Rank 161 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.25% | 0.17% | 0.57% | 1.10% | Beats 31% | 163 / 235 | |
| Return on Equity | 2.08% | 1.03% | 4.30% | 7.58% | Beats 33% | 158 / 235 | |
| Net Interest Margin | 3.71% | 3.32% | 3.89% | 4.35% | Beats 41% | 139 / 235 | |
| Efficiency Ratio | 91.69% | 70.60% | 82.00% | 91.57% | Beats 24% | 179 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.20% | 0.59% | 1.14% | Beats 75% | 59 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.00% | 11.30% | 14.41% | 19.49% | Beats 31% | 161 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.00% | 11.30% | 14.41% | 19.49% | Beats 31% | 161 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 85.35% | 54.18% | 67.38% | 81.66% | 80th pctl | 48 / 235 | |
| Loans / Assets | 74.31% | 43.80% | 56.63% | 68.64% | 86th pctl | 34 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |