Houston, TX · Charter 16271
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.17% | -0.06% | -0.84% | -0.77% | -86 bps | |
| Return on Equity | 0.73% | 1.38% | -0.49% | -6.65% | -6.02% | -675 bps | |
| Net Interest Margin | 3.81% | 3.95% | 3.97% | 3.32% | 3.42% | -39 bps | |
| Efficiency Ratio | 96.02% | 94.88% | 100.46% | 122.04% | 119.69% | +2,367 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.35% | -7.60% | -5.60% | -8.18% | -9.33% | -498 bps | |
| Loan Growth (YoY) | -13.09% | -19.08% | -21.31% | -27.80% | -36.81% | -2,371 bps | |
| Share Growth (YoY) | -4.02% | -8.45% | -6.31% | -8.96% | -9.32% | -531 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.84% | 0.64% | 1.34% | 0.77% | 0.84% | 0 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 | 12.06% | 12.40% | 12.54% | 12.56% | 12.77% | +72 bps | |
| Net Worth / Assets | 12.06% | 12.40% | 12.54% | 12.56% | 12.77% | +72 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 19.43% | 18.58% | 17.18% | 15.41% | 13.54% | -589 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |