Austin, TX · Charter 68251
NCUA · 11 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
19
Profitability
25
Liquidity
68
Efficiency
18
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 68251
NCUA · 11 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 | 0.48% | 0.50% | 0.55% | 0.54% | 0.73% | 0.72% | 0.68% | 0.51% | -3 bps | |
| Return on Equity | 4.99% | 5.19% | 5.66% | 5.52% | 7.40% | 7.22% | 6.79% | 5.15% | -36 bps | |
| Net Interest Margin | 2.81% | 2.80% | 2.94% | 3.02% | 3.03% | 3.01% | 3.05% | 3.06% | +4 bps | |
| Efficiency Ratio | 81.54% | 80.74% | 80.19% | 79.33% | 75.24% | 75.56% | 77.45% | 79.55% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.69% | 4.25% | 4.47% | 3.52% | 4.04% | 3.85% | 3.89% | 5.16% | +163 bps | |
| Loan Growth (YoY) | -4.32% | -4.14% | -3.31% | -2.45% | -0.56% | 0.26% | 0.98% | 0.12% | +257 bps | |
| Share Growth (YoY) | 0.67% | 1.36% | 1.55% | 1.60% | 0.90% | 2.63% | 2.46% | 2.54% | +94 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 0.94% | 0.92% | 0.98% | 0.98% | 0.93% | 1.12% | 1.22% | +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 | 9.62% | 9.67% | 9.70% | 9.79% | 9.92% | 10.01% | 10.06% | 9.87% | +8 bps | |
| Net Worth / Assets | 9.62% | 9.67% | 9.70% | 9.79% | 9.92% | 10.01% | 10.06% | 9.87% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.66% | 96.00% | 94.13% | 95.04% | 96.25% | 93.78% | 92.77% | 92.80% | -224 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 68251 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
Return on Assets
0.51%
Rank 343 of 435
Net Interest Margin
3.06%
Rank 314 of 435
Efficiency Ratio
79.54%
Rank 359 of 435
Equity / Assets
9.87%
Rank 316 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.51% | 0.55% | 0.81% | 1.14% | Beats 21% | 343 / 435 | ||
| Return on Equity | 5.15% | 5.12% | 7.41% | 9.70% | Beats 26% | 323 / 435 | ||
| Net Interest Margin | 3.06% | 3.01% | 3.39% | 3.75% | Beats 28% | 314 / 435 | ||
| Efficiency Ratio | 79.54% | 65.25% | 71.39% | 77.86% | Beats 18% | 359 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.22% | 0.45% | 0.69% | 1.05% | Beats 19% | 354 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.87% | 9.81% | 10.84% | 12.63% | Beats 27% | 316 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.87% | 9.81% | 10.84% | 12.63% | Beats 27% | 316 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.80% | 78.33% | 88.38% | 95.61% | 64th pctl | 155 / 435 | ||
| Loans / Assets | 72.77% | 67.69% | 74.58% | 80.80% | 42nd pctl | 251 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||