Houston, TX · Charter 61936
NCUA · 4 branches
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 | -0.06% | 0.02% | 0.31% | 0.15% | 0.18% | 0.17% | -2.17% | -0.91% | -107 bps | |
| Return on Equity | -0.54% | 0.21% | 2.87% | 1.46% | 1.67% | 1.66% | -22.31% | -9.52% | -1,099 bps | |
| Net Interest Margin | 3.20% | 3.22% | 3.43% | 3.53% | 3.47% | 3.39% | 3.39% | 3.62% | +8 bps | |
| Efficiency Ratio | 90.41% | 88.08% | 83.45% | 84.38% | 84.88% | 84.25% | 96.93% | 88.32% | +395 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.01% | -5.38% | -4.44% | 0.63% | 1.55% | 3.36% | 3.20% | 3.06% | +243 bps | |
| Loan Growth (YoY) | -9.31% | -3.65% | -0.48% | 3.56% | 3.62% | 0.76% | 4.19% | 4.02% | +46 bps | |
| Share Growth (YoY) | -4.29% | -5.69% | -3.67% | 0.58% | 2.21% | 4.99% | 4.94% | 4.88% | +431 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 1.01% | 0.90% | 1.09% | 1.01% | 1.06% | 0.65% | 0.64% | -45 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 | 10.70% | 10.66% | 10.73% | 10.48% | 10.50% | 10.25% | 9.73% | 9.59% | -89 bps | |
| Net Worth / Assets | 10.70% | 10.66% | 10.73% | 10.48% | 10.50% | 10.25% | 9.73% | 9.59% | -89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.33% | 90.91% | 90.03% | 95.02% | 91.58% | 87.25% | 89.38% | 94.24% | -78 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |