San Angelo, TX · Charter 8715
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 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
45
Asset Quality
6
Profitability
69
Liquidity
62
Efficiency
59
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 Angelo, TX · Charter 8715
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 | 1.18% | 1.08% | 1.17% | 1.07% | 1.00% | 0.91% | 1.29% | 1.14% | +7 bps | |
| Return on Equity | 8.86% | 7.99% | 8.83% | 8.11% | 7.39% | 6.62% | 9.46% | 8.40% | +29 bps | |
| Net Interest Margin | 3.96% | 3.99% | 3.85% | 3.93% | 4.01% | 4.01% | 3.84% | 3.92% | -2 bps | |
| Efficiency Ratio | 65.97% | 68.40% | 66.68% | 72.75% | 75.84% | 76.88% | 74.49% | 78.09% | +534 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.19% | 3.86% | 5.82% | 4.01% | 2.86% | 2.73% | 2.26% | 2.16% | -185 bps | |
| Loan Growth (YoY) | -1.52% | -1.75% | -2.18% | -1.72% | 1.95% | 0.84% | -0.24% | -0.47% | +124 bps | |
| Share Growth (YoY) | 5.06% | 5.64% | 7.36% | 5.04% | 3.00% | 1.70% | 1.22% | 1.58% | -347 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.17% | 2.31% | 2.15% | 2.08% | 3.19% | 3.83% | 4.85% | 3.73% | +165 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 | 13.27% | 13.46% | 13.24% | 13.23% | 13.58% | 13.75% | 13.61% | 13.63% | +40 bps | |
| Net Worth / Assets | 13.27% | 13.46% | 13.24% | 13.23% | 13.58% | 13.75% | 13.61% | 13.63% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.60% | 80.72% | 77.19% | 78.12% | 80.76% | 80.04% | 76.07% | 76.54% | -158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Angelo, TX · Charter 8715 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 11 branches
Q2 2026
Return on Assets
1.14%
Rank 56 of 235
Net Interest Margin
3.92%
Rank 112 of 235
Efficiency Ratio
78.09%
Rank 97 of 235
Equity / Assets
13.63%
Rank 130 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.14% | 0.17% | 0.57% | 1.10% | Beats 76% | 56 / 235 | ||
| Return on Equity | 8.40% | 1.03% | 4.30% | 7.58% | Beats 79% | 50 / 235 | ||
| Net Interest Margin | 3.92% | 3.32% | 3.89% | 4.35% | Beats 52% | 112 / 235 | ||
| Efficiency Ratio | 78.09% | 70.60% | 82.00% | 91.57% | Beats 59% | 97 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.73% | 0.20% | 0.59% | 1.14% | Beats 6% | 222 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.63% | 11.30% | 14.41% | 19.49% | Beats 45% | 130 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.63% | 11.30% | 14.41% | 19.49% | Beats 45% | 130 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.54% | 54.18% | 67.38% | 81.66% | 68th pctl | 75 / 235 | ||
| Loans / Assets | 65.68% | 43.80% | 56.63% | 68.64% | 71st pctl | 69 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||