Houston, TX · Charter 60705
NCUA · 32 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 | 0.30% | 0.24% | 0.00% | 0.40% | 0.53% | 0.35% | 0.43% | 0.52% | +12 bps | |
| Return on Equity | 3.05% | 2.42% | -0.03% | 3.93% | 5.17% | 3.59% | 4.31% | 5.12% | +119 bps | |
| Net Interest Margin | 4.03% | 4.07% | 3.99% | 4.01% | 4.11% | 4.09% | 4.17% | 4.32% | +31 bps | |
| Efficiency Ratio | 77.14% | 78.49% | 83.80% | 78.34% | 75.48% | 74.93% | 77.65% | 75.80% | -254 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.97% | 2.12% | -0.71% | 1.37% | 1.32% | 5.61% | 6.53% | 3.15% | +178 bps | |
| Loan Growth (YoY) | -4.01% | -0.95% | 0.94% | 4.87% | 6.21% | 5.28% | 4.72% | 0.46% | -441 bps | |
| Share Growth (YoY) | 3.75% | 5.02% | 1.20% | 2.59% | -1.48% | -0.45% | 2.71% | -0.20% | -279 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.15% | 2.57% | 2.01% | 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 | 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 | 9.96% | 10.05% | 9.92% | 10.12% | 10.25% | 9.87% | 9.86% | 10.17% | +6 bps | |
| Net Worth / Assets | 9.96% | 10.05% | 9.92% | 10.12% | 10.25% | 9.87% | 9.86% | 10.17% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.51% | 105.01% | 104.41% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |