PackageTrendsPeer
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Heritage Hub

Houston, TX · Charter 24972

NCUA · 1 branch

Q2 2026

$149KAssets
$88KLoans
$172KShares
$-24KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -117.25%, up 11,662 bps year over year; NIM at 0.44%.
  • Asset quality: problem loans at 0.00% of loans.
  • Capital: net worth / assets of -15.82%, down 11,429 bps from a year ago.
  • Funding: loans stand at 51.24% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-117.25%+11,662 bps YoY

Net Interest Margin (YTD, annualized)

0.44%+44 bps YoY

Efficiency Ratio (YTD, annualized)

3088%-351,887 bps YoY

Net Worth / Assets

-15.82%-11,429 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-234%-14.37%0.12%-248%-117.25%+11,662 bps
Return on Equity-238%-16.60%0.24%-2072%n/an/a
Net Interest Margin0.00%-0.02%0.10%0.62%0.44%+44 bps
Efficiency Ratio6607%n/a0.00%6099%3088%-351,887 bps
Growth
Asset Growth (YoY)n/an/an/a7168900%635%n/a
Loan Growth (YoY)n/an/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/a55280%n/an/a
Asset Quality
Delinquent Loans / Loansn/an/a0.00%0.00%0.00%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/a0.00%0.00%0.00%n/a
Capital
Risk-Based Capital98.47%86.56%49.54%11.98%-15.82%-11,429 bps
Net Worth / Assets98.47%86.56%49.54%11.98%-15.82%-11,429 bps
Liquidity & Funding
Loans / Shares0.00%0.00%17.55%21.24%51.24%+5,124 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps