Houston, TX · Charter 12892
NCUA · 2 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 | 1.33% | 1.37% | 1.38% | 1.39% | 1.31% | 1.11% | 1.05% | 1.15% | -24 bps | |
| Return on Equity | 12.22% | 12.18% | 11.80% | 11.55% | 10.50% | 9.08% | 8.53% | 9.18% | -238 bps | |
| Net Interest Margin | 3.63% | 3.83% | 4.21% | 4.28% | 4.25% | 4.12% | 4.12% | 4.16% | -13 bps | |
| Efficiency Ratio | 69.74% | 70.20% | 71.94% | 69.29% | 71.24% | 75.20% | 77.66% | 75.72% | +643 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.98% | 1.59% | -8.63% | -8.53% | -5.70% | -1.77% | -0.22% | 0.39% | +892 bps | |
| Loan Growth (YoY) | -2.53% | -1.51% | 1.89% | -0.43% | -0.86% | 1.19% | 3.10% | 3.23% | +366 bps | |
| Share Growth (YoY) | 4.25% | 0.22% | -10.66% | -10.79% | -7.76% | -3.10% | -1.26% | -0.74% | +1,005 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.45% | 2.04% | 1.31% | 1.22% | 1.49% | 1.00% | 0.67% | 0.51% | -71 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 | 10.87% | 11.28% | 11.71% | 12.03% | 12.44% | 12.20% | 12.37% | 12.57% | +54 bps | |
| Net Worth / Assets | 10.87% | 11.28% | 11.71% | 12.03% | 12.44% | 12.20% | 12.37% | 12.57% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.89% | 56.88% | 58.08% | 56.97% | 59.00% | 59.40% | 60.65% | 59.25% | +228 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |