Houston, TX · Charter 24463
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 | 0.34% | 0.17% | -0.13% | -0.32% | -0.32% | -0.21% | -0.16% | -0.24% | +8 bps | |
| Return on Equity | 4.36% | 2.07% | -1.81% | -4.34% | -4.41% | -2.71% | -2.09% | -3.12% | +123 bps | |
| Net Interest Margin | 2.98% | 3.06% | 2.52% | 2.36% | 2.52% | 2.88% | 2.60% | 2.65% | +28 bps | |
| Efficiency Ratio | 91.58% | 95.92% | 103.67% | 109.23% | 108.63% | 105.05% | 103.71% | 105.52% | -371 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.02% | -8.04% | 0.60% | -0.11% | 3.92% | 1.18% | -4.49% | -6.65% | -654 bps | |
| Loan Growth (YoY) | 34.54% | 12.14% | 35.44% | 27.88% | 15.32% | 4.95% | -6.92% | -3.52% | -3,140 bps | |
| Share Growth (YoY) | -11.74% | -8.77% | 0.61% | 0.02% | 4.63% | 1.51% | -4.88% | -7.33% | -734 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.65% | 1.59% | 8.89% | 8.65% | 8.83% | 8.72% | 2.35% | 2.21% | -644 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 | 2.02% | 1.95% | 1.74% | 1.69% | 1.70% | 1.80% | 1.81% | 1.70% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.81% | 8.10% | 7.38% | 7.43% | 7.19% | 7.79% | 7.52% | 7.80% | +37 bps | |
| Net Worth / Assets | 7.81% | 8.10% | 7.38% | 7.43% | 7.19% | 7.79% | 7.52% | 7.80% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.58% | 72.60% | 73.96% | 77.83% | 73.38% | 75.06% | 72.38% | 81.03% | +320 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |