Sugar Land, TX · Charter 24818
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 | 1.06% | 1.24% | 1.13% | 1.04% | 1.10% | 1.05% | 0.97% | 0.83% | -21 bps | |
| Return on Equity | 9.39% | 10.18% | 9.49% | 8.92% | 9.40% | 8.53% | 8.10% | 7.05% | -187 bps | |
| Net Interest Margin | 1.90% | 2.05% | 2.25% | 2.23% | 2.31% | 2.45% | 2.40% | 2.41% | +18 bps | |
| Efficiency Ratio | 70.11% | 66.83% | 69.08% | 68.81% | 64.95% | 67.16% | 73.44% | 77.13% | +831 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.87% | 9.23% | 14.51% | 18.31% | 7.66% | 8.37% | 8.34% | 7.42% | -1,089 bps | |
| Loan Growth (YoY) | -1.68% | -3.48% | -2.66% | -3.45% | 0.00% | 0.10% | -0.74% | 4.05% | +750 bps | |
| Share Growth (YoY) | 9.81% | 8.82% | 15.05% | 19.46% | 7.29% | 8.79% | 8.63% | 7.39% | -1,207 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.34% | 0.48% | 0.56% | 0.71% | 0.42% | 0.51% | 0.32% | -24 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 | 11.31% | 12.18% | 11.92% | 11.68% | 11.70% | 12.28% | 11.98% | 11.77% | +9 bps | |
| Net Worth / Assets | 11.31% | 12.18% | 11.92% | 11.68% | 11.70% | 12.28% | 11.98% | 11.77% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.93% | 77.40% | 74.52% | 70.17% | 68.91% | 71.21% | 68.09% | 67.99% | -218 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |