Houston, TX · Charter 24769
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 | 0.11% | 0.31% | 0.55% | -0.63% | 0.06% | -0.19% | -16.21% | -11.46% | -1,083 bps | |
| Return on Equity | 1.41% | 3.97% | 6.80% | -7.79% | 0.53% | -1.86% | -223% | -193.35% | -18,556 bps | |
| Net Interest Margin | 4.10% | 4.31% | 4.61% | 3.86% | 5.79% | 5.11% | 3.77% | 3.13% | -72 bps | |
| Efficiency Ratio | 97.44% | 92.98% | 88.65% | 115.51% | 99.07% | 103.60% | 204% | 259% | +14,318 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.12% | 1.17% | 4.61% | -10.09% | -25.15% | -25.36% | -29.81% | -27.76% | -1,767 bps | |
| Loan Growth (YoY) | 35.98% | 73.33% | 61.68% | 25.60% | -1.40% | -22.60% | -26.56% | -18.77% | -4,437 bps | |
| Share Growth (YoY) | -0.06% | 0.90% | 4.35% | -10.88% | -27.52% | -27.37% | -28.70% | -25.07% | -1,419 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 8.10% | 10.72% | 25.75% | 25.59% | 42.08% | +3,398 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 | 1.81% | 1.47% | 1.49% | 1.72% | 1.84% | 1.90% | 6.99% | 7.31% | +558 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.68% | 7.86% | 8.08% | 8.10% | 10.61% | 10.34% | 7.26% | 5.93% | -218 bps | |
| Net Worth / Assets | 7.68% | 7.86% | 8.08% | 8.10% | 10.61% | 10.34% | 7.26% | 5.93% | -218 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.35% | 62.90% | 62.99% | 58.15% | 69.85% | 67.03% | 64.89% | 63.04% | +489 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |