Houston, TX · Charter 2131
NCUA · 7 branches
Q2 2026
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 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.32% | 0.07% | 0.11% | 0.20% | 0.16% | 0.16% | 0.11% | -1 bps | |
| Return on Equity | 3.55% | 2.47% | 0.55% | 0.86% | 1.54% | 1.25% | 1.25% | 0.84% | -2 bps | |
| Net Interest Margin | 3.19% | 3.53% | 3.41% | 3.56% | 3.58% | 3.62% | 3.68% | 3.63% | +7 bps | |
| Efficiency Ratio | 82.93% | 86.03% | 93.04% | 92.83% | 91.59% | 90.83% | 86.05% | 87.97% | -485 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.74% | -3.47% | -2.47% | -2.64% | -12.24% | -0.09% | -0.26% | 2.46% | +510 bps | |
| Loan Growth (YoY) | -6.79% | -7.44% | -7.19% | -4.92% | 3.01% | 3.80% | 3.32% | 2.82% | +774 bps | |
| Share Growth (YoY) | -4.01% | -3.76% | -2.00% | -3.43% | -2.72% | -0.48% | 0.07% | -0.68% | +276 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 0.91% | 1.06% | 1.03% | 1.35% | 1.35% | 1.30% | 1.33% | +30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.62% | 13.14% | 12.82% | 13.14% | 13.18% | 13.13% | 12.86% | 12.81% | -33 bps | |
| Net Worth / Assets | 11.62% | 13.14% | 12.82% | 13.14% | 13.18% | 13.13% | 12.86% | 12.81% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.08% | 92.26% | 90.99% | 94.03% | 96.44% | 96.22% | 93.95% | 97.34% | +331 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |