Houston, TX · Charter 23525
NCUA · 1 branch
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 | 1.38% | 1.10% | 1.04% | 1.01% | 1.14% | 0.95% | 0.71% | 0.78% | -23 bps | |
| Return on Equity | 12.64% | 9.89% | 9.29% | 8.45% | 9.19% | 7.71% | 6.10% | 6.63% | -183 bps | |
| Net Interest Margin | 2.02% | 1.97% | 1.76% | 1.80% | 1.92% | 1.97% | 1.94% | 1.73% | -7 bps | |
| Efficiency Ratio | 33.77% | 38.67% | 42.06% | 44.98% | 41.66% | 39.26% | 37.68% | 42.42% | -256 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.51% | -1.52% | 3.85% | -3.49% | -4.60% | -2.27% | 3.50% | 9.22% | +1,272 bps | |
| Loan Growth (YoY) | 4.74% | -7.89% | -1.89% | 16.43% | 32.80% | 67.62% | 46.28% | 62.97% | +4,654 bps | |
| Share Growth (YoY) | -6.62% | -3.02% | 3.06% | -4.94% | -6.14% | -3.60% | 3.02% | 10.18% | +1,513 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.45% | 8.57% | 7.18% | 2.27% | 2.03% | 3.31% | 4.52% | 3.03% | +77 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 | 1.46% | 2.19% | 1.99% | 1.78% | 1.59% | 2.09% | 2.61% | 2.10% | +32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.95% | 11.15% | 11.17% | 11.94% | 12.38% | 12.37% | 11.60% | 11.73% | -21 bps | |
| Net Worth / Assets | 10.95% | 11.15% | 11.17% | 11.94% | 12.38% | 12.37% | 11.60% | 11.73% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.76% | 23.34% | 25.13% | 29.68% | 33.61% | 40.58% | 35.69% | 43.89% | +1,422 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |