San Antonio, TX · Charter 68358
NCUA · 6 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
6
Asset Quality
80
Profitability
46
Liquidity
40
Efficiency
25
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 Antonio, TX · Charter 68358
NCUA · 6 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 1.35% | 1.27% | 0.46% | 0.28% | +5 bps | |
| Return on Equity | 2.87% | 15.16% | 14.59% | 5.30% | 3.19% | +32 bps | |
| Net Interest Margin | 4.09% | 4.10% | 4.10% | 4.04% | 4.09% | -1 bps | |
| Efficiency Ratio | 93.88% | 78.23% | 77.68% | 89.99% | 91.48% | -239 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.70% | 2.50% | 2.52% | 5.13% | 4.12% | +42 bps | |
| Loan Growth (YoY) | 0.24% | 9.83% | 4.64% | 7.70% | 7.52% | +727 bps | |
| Share Growth (YoY) | 3.57% | 1.19% | 1.41% | 4.24% | 3.65% | +9 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.55% | 0.37% | 0.09% | 0.26% | 0.15% | -40 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.06% | 8.88% | 8.72% | 8.59% | 8.72% | +66 bps | |
| Net Worth / Assets | 8.06% | 8.88% | 8.72% | 8.59% | 8.72% | +66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.73% | 84.92% | 84.15% | 81.80% | 81.66% | +293 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Antonio, TX · Charter 68358 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 6 branches
Q2 2026
Return on Assets
0.28%
Rank 160 of 235
Net Interest Margin
4.08%
Rank 84 of 235
Efficiency Ratio
91.57%
Rank 177 of 235
Equity / Assets
8.72%
Rank 222 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.17% | 0.57% | 1.10% | Beats 32% | 160 / 235 | |
| Return on Equity | 3.19% | 1.03% | 4.30% | 7.58% | Beats 41% | 138 / 235 | |
| Net Interest Margin | 4.08% | 3.32% | 3.89% | 4.35% | Beats 64% | 84 / 235 | |
| Efficiency Ratio | 91.57% | 70.60% | 82.00% | 91.57% | Beats 25% | 177 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.15% | 0.20% | 0.59% | 1.14% | Beats 80% | 49 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.72% | 11.30% | 14.41% | 19.49% | Beats 6% | 222 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.72% | 11.30% | 14.41% | 19.49% | Beats 6% | 222 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.66% | 54.18% | 67.38% | 81.66% | 75th pctl | 59 / 235 | |
| Loans / Assets | 74.21% | 43.80% | 56.63% | 68.64% | 85th pctl | 35 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||