Houston, TX · Charter 60705
NCUA · 32 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.53% | 0.35% | 0.43% | 0.52% | +12 bps | |
| Return on Equity | 3.93% | 5.17% | 3.59% | 4.31% | 5.12% | +119 bps | |
| Net Interest Margin | 4.01% | 4.11% | 4.09% | 4.17% | 4.32% | +31 bps | |
| Efficiency Ratio | 78.34% | 75.48% | 74.93% | 77.65% | 75.80% | -254 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.37% | 1.32% | 5.61% | 6.53% | 3.15% | +178 bps | |
| Loan Growth (YoY) | 4.87% | 6.21% | 5.28% | 4.72% | 0.46% | -441 bps | |
| Share Growth (YoY) | 2.59% | -1.48% | -0.45% | 2.71% | -0.20% | -279 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.85% | 2.56% | 2.21% | 1.50% | 1.77% | -109 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.12% | 10.25% | 9.87% | 9.86% | 10.17% | +6 bps | |
| Net Worth / Assets | 10.12% | 10.25% | 9.87% | 9.86% | 10.17% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 107.61% | 111.58% | 111.06% | 106.46% | 108.32% | +71 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |