Pasadena, TX · Charter 20469
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 | 0.93% | 1.00% | 1.01% | 0.70% | 0.62% | -31 bps | |
| Return on Equity | 6.81% | 7.39% | 7.21% | 5.34% | 4.47% | -234 bps | |
| Net Interest Margin | 5.03% | 4.89% | 4.96% | 4.65% | 4.92% | -11 bps | |
| Efficiency Ratio | 74.00% | 72.54% | 73.86% | 77.00% | 76.70% | +270 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.70% | 6.31% | 1.90% | 9.34% | 3.65% | +295 bps | |
| Loan Growth (YoY) | 7.65% | 3.51% | -2.99% | -0.85% | 1.43% | -622 bps | |
| Share Growth (YoY) | 1.37% | 8.11% | 3.07% | 7.73% | 4.46% | +309 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.35% | 0.63% | 0.64% | 0.23% | -16 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 | 13.62% | 13.51% | 13.95% | 13.17% | 13.85% | +23 bps | |
| Net Worth / Assets | 13.62% | 13.51% | 13.95% | 13.17% | 13.85% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.48% | 90.52% | 92.05% | 89.23% | 93.68% | -280 bps | |
| Liquid Assets / Assets | 0.00% | 98.37% | 0.00% | 0.00% | 0.00% | 0 bps | |