Houston, TX · Charter 1584
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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% | 0.42% | 0.63% | 0.74% | 0.81% | 0.83% | 1.35% | 1.31% | +57 bps | |
| Return on Equity | 4.87% | 5.29% | 7.91% | 9.13% | 9.79% | 10.15% | 16.14% | 15.37% | +624 bps | |
| Net Interest Margin | 2.06% | 2.07% | 2.44% | 2.47% | 2.52% | 2.53% | 2.88% | 2.87% | +40 bps | |
| Efficiency Ratio | 82.75% | 81.52% | 73.55% | 71.29% | 69.26% | 68.59% | 58.74% | 59.12% | -1,217 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.51% | 5.70% | 4.98% | 5.05% | 7.23% | 7.85% | 7.73% | 9.57% | +452 bps | |
| Loan Growth (YoY) | 13.24% | 10.95% | 8.99% | 9.02% | 9.74% | 11.22% | 14.06% | 17.52% | +850 bps | |
| Share Growth (YoY) | 3.12% | 5.58% | 4.18% | 3.96% | 6.45% | 6.79% | 6.74% | 7.54% | +358 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.28% | 0.10% | 0.33% | 0.26% | 0.21% | 0.12% | 0.09% | -24 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 | 8.03% | 7.95% | 7.95% | 8.11% | 8.23% | 8.20% | 8.38% | 8.52% | +41 bps | |
| Net Worth / Assets | 8.03% | 7.95% | 7.95% | 8.11% | 8.23% | 8.20% | 8.38% | 8.52% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.15% | 81.45% | 81.11% | 81.63% | 83.66% | 84.83% | 86.67% | 89.21% | +758 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |