Houston, TX · Charter 20147
NCUA · 1 branch
Q3 2025
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | -0.10% | -0.47% | -0.02% | -41.07% | -4,130 bps | |
| Return on Equity | 3.03% | -1.37% | -6.25% | -0.23% | n/a | n/a | |
| Net Interest Margin | 5.52% | 5.44% | 4.88% | 5.09% | 5.96% | +45 bps | |
| Efficiency Ratio | 94.81% | 99.74% | 108.17% | 100.29% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -11.16% | -7.91% | -4.39% | -0.93% | -16.08% | -492 bps | |
| Loan Growth (YoY) | -3.12% | 1.79% | 2.23% | -4.39% | -9.83% | -671 bps | |
| Share Growth (YoY) | -10.91% | -9.63% | -4.74% | 0.00% | 10.41% | +2,132 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.93% | 1.92% | 1.15% | 1.79% | 3.20% | +127 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.39% | 0.45% | 0.46% | 0.48% | 0.50% | +11 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.65% | 7.53% | 7.46% | 7.51% | -21.94% | -2,959 bps | |
| Net Worth / Assets | 7.65% | 7.53% | 7.46% | 7.51% | -21.94% | -2,959 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.99% | 77.03% | 75.20% | 71.26% | 62.06% | -1,393 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |