Austin, TX · Charter 68681
NCUA · 5 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
50
Asset Quality
48
Profitability
5
Liquidity
0
Efficiency
1
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 68681
NCUA · 5 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 | 0.60% | 0.55% | -0.16% | -0.22% | -0.13% | -0.13% | -0.29% | -0.08% | +13 bps | |
| Return on Equity | 5.78% | 5.23% | -1.47% | -1.99% | -1.18% | -1.16% | -2.68% | -0.78% | +122 bps | |
| Net Interest Margin | 2.52% | 2.50% | 2.32% | 2.41% | 2.42% | 2.49% | 2.52% | 2.63% | +22 bps | |
| Efficiency Ratio | 83.14% | 84.44% | 106.57% | 106.87% | 103.68% | 103.30% | 108.40% | 100.03% | -684 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.41% | -7.83% | -6.30% | -5.87% | -3.79% | -4.34% | -0.82% | 0.41% | +628 bps | |
| Loan Growth (YoY) | -15.58% | -17.03% | -10.68% | -10.89% | -7.76% | -2.28% | -0.14% | 6.14% | +1,703 bps | |
| Share Growth (YoY) | -2.03% | -6.29% | -6.57% | -6.27% | -3.37% | -4.19% | -0.94% | -0.06% | +621 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.30% | 0.28% | 0.62% | 0.42% | 0.62% | 0.43% | 0.70% | +9 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 | 10.40% | 10.59% | 10.77% | 10.95% | 10.82% | 10.95% | 10.70% | 10.84% | -10 bps | |
| Net Worth / Assets | 10.40% | 10.59% | 10.77% | 10.95% | 10.82% | 10.95% | 10.70% | 10.84% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.90% | 94.66% | 93.90% | 96.35% | 94.41% | 96.54% | 94.66% | 102.33% | +598 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 68681 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 5 branches
Q2 2026
Return on Assets
-0.08%
Rank 428 of 435
Net Interest Margin
2.63%
Rank 387 of 435
Efficiency Ratio
100.03%
Rank 431 of 435
Equity / Assets
10.84%
Rank 218 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.08% | 0.55% | 0.81% | 1.14% | Beats 2% | 428 / 435 | ||
| Return on Equity | -0.78% | 5.12% | 7.41% | 9.70% | Beats 2% | 427 / 435 | ||
| Net Interest Margin | 2.63% | 3.01% | 3.39% | 3.75% | Beats 11% | 387 / 435 | ||
| Efficiency Ratio | 100.03% | 65.25% | 71.39% | 77.86% | Beats 1% | 431 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.70% | 0.45% | 0.69% | 1.05% | Beats 48% | 228 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.84% | 9.81% | 10.84% | 12.63% | Beats 50% | 218 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.84% | 9.81% | 10.84% | 12.63% | Beats 50% | 218 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.33% | 78.33% | 88.38% | 95.61% | 90th pctl | 45 / 435 | ||
| Loans / Assets | 74.11% | 67.69% | 74.58% | 80.80% | 48th pctl | 226 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||