Austin, TX · Charter 68359
NCUA · 7 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
88
Asset Quality
64
Profitability
23
Liquidity
0
Efficiency
11
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 68359
NCUA · 7 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 | 0.14% | 0.10% | 0.09% | 0.06% | 0.10% | -5 bps | |
| Return on Equity | 0.95% | 0.66% | 0.62% | 0.46% | 0.69% | -26 bps | |
| Net Interest Margin | 3.68% | 3.67% | 3.63% | 3.53% | 3.58% | -10 bps | |
| Efficiency Ratio | 81.14% | 81.84% | 81.90% | 83.26% | 82.38% | +124 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.48% | 1.75% | 3.80% | 3.43% | 4.75% | +427 bps | |
| Loan Growth (YoY) | -9.52% | -10.17% | -7.81% | -5.05% | -0.32% | +921 bps | |
| Share Growth (YoY) | -1.18% | 0.89% | 2.67% | 3.08% | 3.41% | +459 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.97% | 0.84% | 0.99% | 0.66% | 0.57% | -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 | 14.91% | 14.45% | 14.21% | 14.11% | 13.97% | -95 bps | |
| Net Worth / Assets | 14.91% | 14.45% | 14.21% | 14.11% | 13.97% | -95 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.68% | 64.18% | 62.48% | 62.33% | 63.32% | -236 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Austin, TX · Charter 68359 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 7 branches
Q2 2026
Return on Assets
0.10%
Rank 419 of 435
Net Interest Margin
3.58%
Rank 162 of 435
Efficiency Ratio
82.38%
Rank 388 of 435
Equity / Assets
13.97%
Rank 53 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | 0.55% | 0.81% | 1.14% | Beats 4% | 419 / 435 | |
| Return on Equity | 0.69% | 5.12% | 7.41% | 9.70% | Beats 3% | 420 / 435 | |
| Net Interest Margin | 3.58% | 3.01% | 3.39% | 3.75% | Beats 63% | 162 / 435 | |
| Efficiency Ratio | 82.38% | 65.25% | 71.39% | 77.86% | Beats 11% | 388 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.57% | 0.45% | 0.69% | 1.05% | Beats 64% | 159 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.97% | 9.81% | 10.84% | 12.63% | Beats 88% | 53 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.97% | 9.81% | 10.84% | 12.63% | Beats 88% | 53 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.32% | 78.33% | 88.38% | 95.61% | 9th pctl | 395 / 435 | |
| Loans / Assets | 50.68% | 67.69% | 74.58% | 80.80% | 6th pctl | 407 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||