Houston, TX · Charter 61457
NCUA · 6 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 | 0.41% | 0.48% | 0.21% | 0.15% | -2.26% | -1.64% | 0.24% | 0.22% | +8 bps | |
| Return on Equity | 3.66% | 4.38% | 1.90% | 1.31% | -23.40% | -17.53% | 2.53% | 2.35% | +103 bps | |
| Net Interest Margin | 4.11% | 4.21% | 4.59% | 4.70% | 4.91% | 4.90% | 4.81% | 4.81% | +11 bps | |
| Efficiency Ratio | 84.76% | 84.67% | 87.46% | 84.04% | 86.29% | 86.36% | 80.86% | 86.94% | +291 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.89% | 2.42% | 0.38% | 0.56% | -2.23% | -2.32% | -1.94% | -1.89% | -244 bps | |
| Loan Growth (YoY) | 1.01% | 3.43% | 4.74% | 4.46% | 2.20% | -0.58% | -0.01% | -2.55% | -701 bps | |
| Share Growth (YoY) | 0.52% | 1.30% | 0.64% | 1.50% | -0.92% | -0.44% | -0.33% | -0.66% | -216 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.81% | 1.06% | 1.12% | 0.74% | 0.78% | 0.37% | 0.39% | -72 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 | 11.20% | 11.05% | 10.99% | 11.07% | 9.66% | 9.38% | 9.31% | 9.41% | -166 bps | |
| Net Worth / Assets | 11.20% | 11.05% | 10.99% | 11.07% | 9.66% | 9.38% | 9.31% | 9.41% | -166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.67% | 85.47% | 83.59% | 84.76% | 85.28% | 85.34% | 83.86% | 83.15% | -161 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |