San Antonio, TX · Charter 97107
NCUA · 6 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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=239). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
41
Profitability
38
Liquidity
77
Efficiency
41
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 97107
NCUA · 6 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.34% | 0.33% | 0.34% | 0.60% | 0.60% | 0.65% | 0.57% | +23 bps | |
| Return on Equity | 4.05% | 3.82% | 3.66% | 3.75% | 6.51% | 6.39% | 6.81% | 5.95% | +219 bps | |
| Net Interest Margin | 2.46% | 2.50% | 2.51% | 2.52% | 2.75% | 2.86% | 2.87% | 2.86% | +34 bps | |
| Efficiency Ratio | 87.63% | 87.95% | 87.15% | 86.82% | 82.87% | 82.23% | 81.42% | 83.40% | -342 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.41% | 3.26% | 3.05% | 1.52% | 0.71% | 0.07% | 1.86% | 1.70% | +18 bps | |
| Loan Growth (YoY) | 2.14% | 0.35% | -0.18% | -0.80% | -1.19% | -1.93% | -3.74% | -5.55% | -475 bps | |
| Share Growth (YoY) | 2.48% | -0.16% | -0.15% | 0.04% | 1.61% | 2.01% | 3.40% | 4.00% | +396 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.68% | 0.75% | 0.90% | 0.53% | 0.80% | 0.68% | 0.80% | -11 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 | 8.88% | 8.95% | 9.08% | 9.16% | 9.22% | 9.42% | 9.49% | 9.58% | +42 bps | |
| Net Worth / Assets | 8.88% | 8.95% | 9.08% | 9.16% | 9.22% | 9.42% | 9.49% | 9.58% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.42% | 84.27% | 83.29% | 83.14% | 81.12% | 81.02% | 77.54% | 75.50% | -764 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Antonio, TX · Charter 97107 · Peer group: credit unions under $1B in assets in TX (n=239)
NCUA · 6 branches
Q4 2025
Return on Assets
0.57%
Rank 133 of 239
Net Interest Margin
2.86%
Rank 217 of 239
Efficiency Ratio
83.40%
Rank 143 of 239
Equity / Assets
9.58%
Rank 212 of 239
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.57% | 0.17% | 0.66% | 1.12% | Beats 44% | 133 / 239 | ||
| Return on Equity | 5.95% | 1.36% | 4.35% | 8.03% | Beats 60% | 95 / 239 | ||
| Net Interest Margin | 2.86% | 3.30% | 3.85% | 4.42% | Beats 9% | 217 / 239 | ||
| Efficiency Ratio | 83.40% | 70.49% | 79.96% | 89.30% | Beats 41% | 143 / 239 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.80% | 0.31% | 0.68% | 1.36% | Beats 41% | 141 / 239 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.58% | 11.14% | 14.17% | 19.45% | Beats 11% | 212 / 239 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.58% | 11.14% | 14.17% | 19.46% | Beats 11% | 212 / 239 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.50% | 56.30% | 70.17% | 82.36% | 61st pctl | 94 / 239 | ||
| Loans / Assets | 68.80% | 46.49% | 58.65% | 69.60% | 72nd pctl | 66 / 239 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||