Houston, TX · Charter 24324
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.78% | 1.30% | 0.34% | 0.76% | 0.82% | 0.02% | 0.37% | +3 bps | |
| Return on Equity | 6.57% | 5.50% | 8.77% | 2.34% | 5.18% | 5.44% | 0.13% | 2.52% | +18 bps | |
| Net Interest Margin | 5.06% | 5.04% | 4.65% | 4.75% | 4.92% | 5.17% | 5.25% | 5.12% | +37 bps | |
| Efficiency Ratio | 87.53% | 87.02% | 98.45% | 89.00% | 84.99% | 85.67% | 84.43% | 86.37% | -264 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.21% | 3.39% | 0.14% | -0.34% | 0.91% | -2.56% | 1.74% | 2.91% | +325 bps | |
| Loan Growth (YoY) | 14.42% | 19.74% | 11.25% | 9.30% | 6.25% | -5.51% | -8.08% | -9.01% | -1,830 bps | |
| Share Growth (YoY) | -2.50% | -1.39% | 0.33% | 0.35% | -0.58% | -0.02% | 1.84% | 1.36% | +101 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.04% | 0.28% | 0.05% | 0.03% | 0.21% | 0.06% | 0.12% | +7 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 | 14.41% | 14.14% | 14.77% | 14.49% | 14.60% | 15.02% | 14.70% | 14.58% | +9 bps | |
| Net Worth / Assets | 14.41% | 14.14% | 14.77% | 14.49% | 14.60% | 15.02% | 14.70% | 14.58% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.00% | 74.66% | 73.72% | 74.70% | 71.61% | 70.56% | 66.54% | 67.06% | -764 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |