Houston, TX · Charter 23582
NCUA · 2 branches
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 | 0.17% | 0.20% | 0.33% | 0.23% | 0.20% | +2 bps | |
| Return on Equity | 1.81% | 2.05% | 3.35% | 2.31% | 1.94% | +13 bps | |
| Net Interest Margin | 4.25% | 4.45% | 4.49% | 4.65% | 4.71% | +47 bps | |
| Efficiency Ratio | 90.59% | 89.96% | 88.25% | 90.16% | 90.08% | -51 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.19% | -5.28% | -3.55% | -4.40% | -2.08% | +311 bps | |
| Loan Growth (YoY) | 6.81% | -3.09% | -6.16% | -11.69% | -12.55% | -1,936 bps | |
| Share Growth (YoY) | -6.06% | -6.37% | -4.07% | -5.13% | -2.50% | +355 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.74% | 0.92% | 1.46% | 0.94% | 1.85% | +111 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 | 9.58% | 9.79% | 9.92% | 10.10% | 10.13% | +55 bps | |
| Net Worth / Assets | 9.58% | 9.79% | 9.92% | 10.10% | 10.13% | +55 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.58% | 40.21% | 40.82% | 39.12% | 37.29% | -428 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |