Houston, TX · Charter 21029
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 | 3.14% | 3.03% | 2.50% | 3.23% | 2.59% | -54 bps | |
| Return on Equity | 16.41% | 14.97% | 12.83% | 15.66% | 12.04% | -437 bps | |
| Net Interest Margin | 5.66% | 5.87% | 5.54% | 5.68% | 5.34% | -32 bps | |
| Efficiency Ratio | 51.38% | 51.85% | 52.37% | 54.69% | 59.60% | +822 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.37% | 7.24% | 10.86% | 5.49% | -0.54% | -790 bps | |
| Loan Growth (YoY) | 10.38% | 8.37% | 9.83% | -0.78% | -17.99% | -2,837 bps | |
| Share Growth (YoY) | 1.38% | 5.02% | 7.87% | 5.11% | 0.27% | -110 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 1.21% | 0.26% | 0.44% | 0.52% | +13 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 | 19.12% | 20.26% | 19.44% | 20.60% | 21.55% | +242 bps | |
| Net Worth / Assets | 19.12% | 20.26% | 19.44% | 20.60% | 21.55% | +242 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.53% | 55.28% | 53.66% | 49.82% | 49.51% | -1,103 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |