Houston, TX · Charter 14762
NCUA · 22 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 | 0.39% | 0.12% | 0.15% | 0.32% | 0.38% | 0.02% | 0.49% | 0.58% | +26 bps | |
| Return on Equity | 3.27% | 0.99% | 1.24% | 2.70% | 3.21% | 0.21% | 4.15% | 4.87% | +216 bps | |
| Net Interest Margin | 2.73% | 2.75% | 2.79% | 2.88% | 2.94% | 2.64% | 3.21% | 3.23% | +36 bps | |
| Efficiency Ratio | 76.81% | 77.94% | 78.02% | 74.53% | 73.96% | 82.36% | 72.51% | 71.28% | -324 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.63% | -0.21% | 0.92% | 1.25% | 0.21% | 0.35% | -1.24% | -0.59% | -184 bps | |
| Loan Growth (YoY) | 5.83% | 4.33% | -0.38% | -4.26% | -5.55% | -6.09% | -3.07% | 0.65% | +491 bps | |
| Share Growth (YoY) | 0.14% | -0.23% | 0.64% | 0.85% | -0.98% | -0.76% | -1.95% | -1.01% | -186 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.78% | 0.66% | 0.94% | 0.86% | 1.18% | 0.99% | 1.08% | +14 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 | 11.96% | 11.82% | 11.72% | 11.86% | 11.97% | 11.73% | 11.91% | 12.01% | +16 bps | |
| Net Worth / Assets | 11.96% | 11.82% | 11.72% | 11.86% | 11.97% | 11.73% | 11.91% | 12.01% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.76% | 80.71% | 77.77% | 77.40% | 77.03% | 76.37% | 76.88% | 78.70% | +130 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |