Austin Telco

Austin, TX · 1 · Charter #4584 · www.atfcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.6B
59th percentile
Members
94,794
38th percentile
Total loans
$1.8B
58th percentile
Total shares
$1.8B
50th percentile

Profitability

Return on assets
0.69%
28th percentile
Net interest margin
2.05%
4th percentile
Efficiency ratio
43.36%
81th percentile
Non-interest income ratio
15.59%
29th percentile

Capital & Risk

Net worth ratio
13.66%
88th percentile
Delinquency rate
0.50%
71th percentile
Net charge-off rate
0.34%
71th percentile
Loan-to-share
100.32%
80th percentile

Growth

Member growth YoY
1.50%
40th percentile
Asset growth YoY
1.32%
18th percentile
Loan growth YoY
2.11%
30th percentile
Share growth YoY
0.92%
14th percentile

Operations

Members / branch
3,950
7th percentile
Assets / member
$26,932
91th percentile
Field of membership penetration
3.79%
39th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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