Pasadena, TX · Charter 5648
NCUA · 9 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 | 0.44% | 0.58% | 0.47% | 0.38% | 0.47% | 0.53% | 0.77% | 0.91% | +53 bps | |
| Return on Equity | 3.00% | 3.72% | 3.05% | 2.47% | 3.08% | 3.41% | 4.95% | 5.80% | +332 bps | |
| Net Interest Margin | 2.30% | 2.54% | 2.91% | 3.03% | 3.02% | 3.10% | 3.40% | 3.39% | +36 bps | |
| Efficiency Ratio | 74.61% | 71.86% | 74.37% | 74.96% | 74.85% | 72.78% | 67.16% | 67.15% | -780 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.62% | -6.76% | -5.54% | -3.19% | -1.18% | 2.96% | 1.19% | 3.36% | +655 bps | |
| Loan Growth (YoY) | 5.36% | -0.29% | -0.72% | -1.02% | -1.31% | 1.88% | 1.72% | 1.87% | +289 bps | |
| Share Growth (YoY) | -0.64% | -5.42% | -1.01% | 1.47% | 11.56% | 13.55% | 10.43% | 11.22% | +975 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.76% | 0.53% | 0.81% | 0.84% | 0.90% | 0.58% | 0.90% | +9 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 | 14.57% | 15.49% | 15.28% | 15.52% | 15.22% | 15.47% | 15.60% | 15.70% | +19 bps | |
| Net Worth / Assets | 14.57% | 15.49% | 15.28% | 15.52% | 15.22% | 15.47% | 15.60% | 15.70% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.00% | 94.53% | 89.78% | 89.37% | 85.81% | 84.81% | 82.70% | 81.85% | -752 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |