Houston, TX · Charter 62571
NCUA · 5 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 | -0.20% | -0.21% | -0.27% | 0.02% | 0.02% | +22 bps | |
| Return on Equity | -1.82% | -1.92% | -2.50% | 0.21% | 0.22% | +204 bps | |
| Net Interest Margin | 4.87% | 4.94% | 4.92% | 4.77% | 4.89% | +2 bps | |
| Efficiency Ratio | 99.34% | 97.74% | 98.63% | 93.82% | 92.71% | -663 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.30% | -8.36% | -6.16% | -7.17% | -4.93% | +437 bps | |
| Loan Growth (YoY) | -7.18% | -7.41% | -7.80% | -7.41% | -9.89% | -270 bps | |
| Share Growth (YoY) | -9.64% | -8.94% | -6.65% | -6.88% | -5.19% | +445 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 0.53% | 0.56% | 0.65% | 0.66% | +8 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 | 10.76% | 10.88% | 10.68% | 10.93% | 11.14% | +38 bps | |
| Net Worth / Assets | 10.76% | 10.88% | 10.68% | 10.93% | 11.14% | +38 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.43% | 93.98% | 90.02% | 89.37% | 89.75% | -468 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |