Houston, TX · Charter 14512
NCUA · 1 branch
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 | 0.97% | 0.95% | 0.61% | 0.83% | 0.87% | 0.58% | -0.32% | 0.56% | -27 bps | |
| Return on Equity | 2.41% | 2.32% | 1.50% | 2.04% | 2.23% | 1.46% | -0.93% | 1.61% | -43 bps | |
| Net Interest Margin | 5.11% | 5.19% | 5.03% | 4.84% | 5.00% | 4.64% | 3.31% | 4.17% | -67 bps | |
| Efficiency Ratio | 82.35% | 82.96% | 88.58% | 84.48% | 84.44% | 88.65% | 107.24% | 86.37% | +189 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.34% | -2.82% | -1.13% | -0.21% | -0.31% | 5.73% | 21.61% | 17.33% | +1,754 bps | |
| Loan Growth (YoY) | 5.32% | 1.87% | -1.12% | 0.28% | 3.73% | 6.27% | 15.72% | 18.87% | +1,859 bps | |
| Share Growth (YoY) | -5.20% | -6.04% | -3.99% | -5.80% | -1.72% | 6.76% | 35.33% | 33.32% | +3,912 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.58% | 1.48% | 1.98% | 3.95% | 4.49% | 0.75% | 3.13% | +114 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 | 0.45% | 0.46% | 0.47% | 0.48% | 0.45% | 0.47% | 0.47% | 0.48% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 40.20% | 40.83% | 40.76% | 40.43% | 38.85% | 39.76% | 34.51% | 34.60% | -583 bps | |
| Net Worth / Assets | 40.20% | 40.83% | 40.76% | 40.43% | 38.85% | 39.76% | 34.51% | 34.60% | -583 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.29% | 108.29% | 104.53% | 105.67% | 114.28% | 107.81% | 89.38% | 94.22% | -1,145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |