Houston, TX · Charter 11452
NCUA · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.34% | 0.57% | 0.50% | 0.51% | 0.44% | 1.50% | 1.39% | +89 bps | |
| Return on Equity | 4.22% | 3.81% | 6.52% | 5.59% | 5.69% | 4.95% | 16.43% | 14.60% | +901 bps | |
| Net Interest Margin | 3.58% | 3.58% | 3.63% | 3.72% | 3.67% | 3.68% | 4.54% | 4.61% | +89 bps | |
| Efficiency Ratio | 83.46% | 83.58% | 76.76% | 77.34% | 78.01% | 79.07% | 65.34% | 69.55% | -779 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.02% | 7.78% | 9.76% | 7.01% | 5.22% | 5.95% | 3.85% | 3.97% | -305 bps | |
| Loan Growth (YoY) | 5.84% | 8.03% | 7.86% | 3.58% | -1.44% | -4.16% | -4.55% | -1.54% | -512 bps | |
| Share Growth (YoY) | 6.01% | 8.59% | 10.08% | 7.71% | 4.87% | 5.33% | 3.10% | 2.88% | -483 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.71% | 0.66% | 0.77% | 0.68% | 1.15% | 0.97% | 1.26% | +49 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 | 9.02% | 8.92% | 8.80% | 9.00% | 8.98% | 8.82% | 9.11% | 9.51% | +51 bps | |
| Net Worth / Assets | 9.02% | 8.92% | 8.80% | 9.00% | 8.98% | 8.82% | 9.11% | 9.51% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.56% | 77.67% | 74.44% | 74.40% | 72.90% | 70.67% | 68.92% | 71.20% | -320 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |