League City, TX · Charter 60608
NCUA · 12 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.64% | 1.58% | 1.51% | 1.46% | 1.12% | 0.94% | 0.67% | -84 bps | |
| Return on Equity | 5.75% | 5.71% | 14.03% | 13.03% | 12.53% | 10.17% | 8.64% | 6.06% | -697 bps | |
| Net Interest Margin | 5.21% | 5.37% | 5.60% | 5.71% | 5.61% | 5.39% | 5.42% | 5.43% | -27 bps | |
| Efficiency Ratio | 70.37% | 70.93% | 69.20% | 67.36% | 67.16% | 68.59% | 69.90% | 70.89% | +353 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.94% | -4.09% | -2.85% | -0.87% | 5.34% | 11.26% | 11.43% | 11.22% | +1,209 bps | |
| Loan Growth (YoY) | -0.68% | 0.90% | 1.40% | 2.61% | 3.78% | 5.27% | 5.91% | 5.41% | +279 bps | |
| Share Growth (YoY) | -3.95% | -5.24% | -4.16% | -1.53% | 4.92% | 11.20% | 11.95% | 11.28% | +1,281 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.30% | 1.30% | 1.13% | 1.35% | 1.50% | 1.22% | 0.99% | 1.09% | -26 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 | 11.05% | 11.16% | 11.23% | 11.60% | 11.64% | 11.06% | 10.94% | 11.07% | -53 bps | |
| Net Worth / Assets | 11.05% | 11.16% | 11.23% | 11.60% | 11.64% | 11.06% | 10.94% | 11.07% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.14% | 95.89% | 92.39% | 93.98% | 93.11% | 90.77% | 87.40% | 89.02% | -496 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |