Houston, TX · Charter 15049
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 | 1.52% | 1.58% | 1.51% | 1.38% | 1.23% | 1.08% | 1.23% | 0.52% | -85 bps | |
| Return on Equity | 7.42% | 7.56% | 7.30% | 6.86% | 6.06% | 5.40% | 6.25% | 2.66% | -420 bps | |
| Net Interest Margin | 5.07% | 5.16% | 5.42% | 5.33% | 5.45% | 5.43% | 5.58% | 5.69% | +36 bps | |
| Efficiency Ratio | 74.99% | 73.97% | 76.50% | 76.99% | 78.20% | 79.75% | 78.45% | 81.15% | +416 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.31% | 2.47% | 4.20% | 9.36% | 8.60% | 10.61% | 10.46% | 5.69% | -367 bps | |
| Loan Growth (YoY) | 18.18% | 19.17% | 15.21% | 19.68% | 22.66% | 21.03% | 21.53% | 16.54% | -314 bps | |
| Share Growth (YoY) | -2.72% | 0.72% | 4.32% | 10.92% | 9.47% | 11.70% | 11.82% | 5.99% | -493 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.83% | 0.90% | 1.86% | 1.82% | 1.66% | 1.27% | 1.21% | -65 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 | 20.53% | 20.88% | 20.70% | 20.10% | 20.23% | 19.95% | 19.75% | 19.70% | -40 bps | |
| Net Worth / Assets | 20.53% | 20.88% | 20.70% | 20.10% | 20.23% | 19.95% | 19.75% | 19.70% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.01% | 72.21% | 71.74% | 72.03% | 76.21% | 78.24% | 77.97% | 79.20% | +717 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |