Houston, TX · Charter 2357
NCUA · 3 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 | 0.77% | 0.76% | 0.67% | 0.86% | 1.03% | 1.00% | 1.04% | 1.12% | +26 bps | |
| Return on Equity | 4.67% | 4.59% | 4.12% | 5.23% | 6.21% | 6.11% | 6.35% | 6.82% | +158 bps | |
| Net Interest Margin | 2.25% | 2.29% | 2.41% | 2.52% | 2.61% | 2.63% | 2.89% | 2.92% | +40 bps | |
| Efficiency Ratio | 63.65% | 63.93% | 65.95% | 64.22% | 60.41% | 60.31% | 59.50% | 58.26% | -596 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.10% | 1.03% | 4.58% | 5.50% | 3.93% | 6.66% | 5.28% | 5.83% | +33 bps | |
| Loan Growth (YoY) | -3.98% | -1.29% | 0.88% | 0.38% | 1.39% | 1.01% | 0.34% | 0.14% | -24 bps | |
| Share Growth (YoY) | 4.72% | 4.51% | 5.19% | 3.36% | 2.22% | 3.69% | 3.44% | 4.69% | +133 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.63% | 0.51% | 0.57% | 0.64% | 0.58% | 0.50% | 0.70% | +13 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 | 16.46% | 16.48% | 16.27% | 16.35% | 16.61% | 16.28% | 16.38% | 16.42% | +7 bps | |
| Net Worth / Assets | 16.46% | 16.48% | 16.27% | 16.35% | 16.61% | 16.28% | 16.38% | 16.42% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.91% | 57.27% | 56.26% | 55.90% | 56.45% | 55.80% | 54.58% | 53.47% | -243 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |