Sugar Land, TX · Charter 14091
NCUA · 12 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.32% | 0.33% | 0.43% | 0.43% | +10 bps | |
| Return on Equity | 3.43% | 3.34% | 3.37% | 4.45% | 4.36% | +93 bps | |
| Net Interest Margin | 3.06% | 3.06% | 3.09% | 3.18% | 3.20% | +14 bps | |
| Efficiency Ratio | 87.20% | 86.64% | 86.50% | 80.38% | 80.77% | -643 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.03% | -5.71% | 1.20% | 0.69% | 1.15% | +818 bps | |
| Loan Growth (YoY) | -7.13% | -7.94% | -7.62% | -4.99% | -2.99% | +414 bps | |
| Share Growth (YoY) | 0.29% | 0.47% | 0.37% | -0.19% | 0.60% | +31 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.41% | 0.44% | 0.48% | 0.35% | 0.49% | +9 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.68% | 9.63% | 9.74% | 9.67% | 9.88% | +20 bps | |
| Net Worth / Assets | 9.68% | 9.63% | 9.74% | 9.67% | 9.88% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.97% | 63.73% | 62.34% | 61.06% | 62.65% | -232 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |