Pasadena, TX · Charter 19983
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 | 0.75% | 1.03% | 0.72% | 0.19% | 0.99% | +23 bps | |
| Return on Equity | 3.46% | 4.61% | 3.41% | 0.90% | 4.58% | +112 bps | |
| Net Interest Margin | 4.38% | 4.63% | 4.60% | 4.41% | 4.88% | +50 bps | |
| Efficiency Ratio | 82.86% | 77.92% | 76.23% | 95.88% | 79.44% | -342 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.87% | 6.02% | 8.70% | 9.00% | 5.06% | -480 bps | |
| Loan Growth (YoY) | -2.20% | 0.35% | -1.13% | -1.57% | -0.16% | +205 bps | |
| Share Growth (YoY) | 11.32% | 6.35% | 10.34% | 10.57% | 5.50% | -582 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.21% | 0.00% | 0.00% | 0.55% | 0.00% | -21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.16% | 0.16% | 0.00% | 0.00% | 0.00% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.78% | 22.42% | 21.21% | 20.98% | 21.56% | -23 bps | |
| Net Worth / Assets | 21.78% | 22.42% | 21.21% | 20.98% | 21.56% | -23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.64% | 84.50% | 79.39% | 77.81% | 78.21% | -443 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |