Houston, TX · Charter 60782
NCUA · 1 branch
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 | 1.98% | 1.93% | 1.95% | 1.64% | 1.61% | 1.57% | 1.54% | 1.19% | -45 bps | |
| Return on Equity | 7.27% | 6.90% | 6.86% | 5.71% | 5.45% | 4.84% | 4.68% | 3.60% | -211 bps | |
| Net Interest Margin | 6.22% | 6.31% | 6.34% | 6.14% | 6.32% | 6.78% | 6.44% | 6.35% | +21 bps | |
| Efficiency Ratio | 67.97% | 69.65% | 72.70% | 73.78% | 74.00% | 75.54% | 79.16% | 85.00% | +1,123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.95% | -0.14% | -2.07% | -5.38% | -2.69% | -9.27% | -9.42% | -9.67% | -429 bps | |
| Loan Growth (YoY) | -1.00% | -0.86% | 2.06% | -0.02% | 0.78% | -0.75% | -2.55% | -1.54% | -152 bps | |
| Share Growth (YoY) | -4.21% | -4.58% | -4.39% | -12.08% | -8.35% | -14.00% | -14.60% | -15.91% | -383 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 1.91% | 0.89% | 1.90% | 1.12% | 0.19% | 2.26% | 5.55% | +365 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 | 1.00% | 0.91% | 0.92% | 0.90% | 0.90% | 0.92% | 0.99% | 0.93% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.21% | 27.92% | 28.47% | 28.62% | 29.61% | 32.34% | 32.85% | 32.94% | +432 bps | |
| Net Worth / Assets | 27.21% | 27.92% | 28.47% | 28.62% | 29.61% | 32.34% | 32.85% | 32.94% | +432 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.44% | 90.09% | 90.93% | 92.26% | 97.25% | 103.97% | 103.75% | 108.03% | +1,577 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |