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Letter portraitLegal landscapeQuarterYTD

Our Mother of Mercy Parish Houston

Houston, TX · Charter 17067

NCUA · 1 branch

Q2 2026

$2.9MAssets
$1.2MLoans
$2.4MShares
$446KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.11%, down 77 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.93% of loans (+72 bps YoY).
  • Capital: net worth / assets of 15.65%, down 124 bps from a year ago.
  • Funding: loans stand at 52.00% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-2.11%-77 bps YoY

Net Interest Margin (YTD, annualized)

2.64%-13 bps YoY

Efficiency Ratio (YTD, annualized)

158.14%+1,598 bps YoY

Net Worth / Assets

15.65%-124 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.34%-1.39%-1.45%-2.42%-2.11%-77 bps
Return on Equity-7.92%-7.60%-7.99%-14.21%-13.49%-557 bps
Net Interest Margin2.77%3.26%3.36%2.74%2.64%-13 bps
Efficiency Ratio142.16%137.80%138.89%148.04%158.14%+1,598 bps
Growth
Asset Growth (YoY)10.31%-9.24%-8.96%-5.47%-8.35%-1,866 bps
Loan Growth (YoY)5.29%-9.48%-11.50%-6.11%-7.53%-1,282 bps
Share Growth (YoY)14.08%-10.07%-8.03%-5.51%-7.49%-2,157 bps
Asset Quality
Delinquent Loans / Loans0.22%2.42%1.72%2.34%0.93%+72 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.89%18.23%18.12%17.02%15.65%-124 bps
Net Worth / Assets16.89%18.23%18.12%17.02%15.65%-124 bps
Liquidity & Funding
Loans / Shares52.03%56.92%53.47%53.97%52.00%-2 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps