PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Houston Police

Houston, TX · Charter 2357

NCUA · 3 branches

Q2 2026

$1.0BAssets
$470.5MLoans
$879.8MShares
$166.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.12%, up 26 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.70% of loans (+13 bps YoY).
  • Capital: net worth / assets of 16.42%, up 7 bps from a year ago.
  • Funding: loans stand at 53.47% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.12%+26 bps YoY

Net Interest Margin (quarter, annualized)

2.92%+40 bps YoY

Efficiency Ratio (quarter, annualized)

58.26%-596 bps YoY

Net Worth / Assets

16.42%+7 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%1.03%1.00%1.04%1.12%+26 bps
Return on Equity5.23%6.21%6.11%6.35%6.82%+158 bps
Net Interest Margin2.52%2.61%2.63%2.89%2.92%+40 bps
Efficiency Ratio64.22%60.41%60.31%59.50%58.26%-596 bps
Growth
Asset Growth (YoY)5.50%3.93%6.66%5.28%5.83%+33 bps
Loan Growth (YoY)0.38%1.39%1.01%0.34%0.14%-24 bps
Share Growth (YoY)3.36%2.22%3.69%3.44%4.69%+133 bps
Asset Quality
Delinquent Loans / Loans0.57%0.64%0.58%0.50%0.70%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.35%16.61%16.28%16.38%16.42%+7 bps
Net Worth / Assets16.35%16.61%16.28%16.38%16.42%+7 bps
Liquidity & Funding
Loans / Shares55.90%56.45%55.80%54.58%53.47%-243 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps