Houston, TX · Charter 62571
NCUA · 5 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 | 0.14% | 0.07% | -0.21% | -0.20% | -0.21% | -0.27% | 0.02% | 0.02% | +22 bps | |
| Return on Equity | 1.40% | 0.72% | -1.98% | -1.82% | -1.92% | -2.50% | 0.21% | 0.22% | +204 bps | |
| Net Interest Margin | 4.37% | 4.48% | 4.62% | 4.87% | 4.94% | 4.92% | 4.77% | 4.89% | +2 bps | |
| Efficiency Ratio | 92.67% | 94.64% | 100.36% | 99.34% | 97.74% | 98.63% | 93.82% | 92.71% | -663 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.23% | -1.19% | -6.29% | -9.30% | -8.36% | -6.16% | -7.17% | -4.93% | +437 bps | |
| Loan Growth (YoY) | -1.33% | -7.41% | -8.29% | -7.18% | -7.41% | -7.80% | -7.41% | -9.89% | -270 bps | |
| Share Growth (YoY) | 0.24% | -1.07% | -6.77% | -9.64% | -8.94% | -6.65% | -6.88% | -5.19% | +445 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.49% | 0.61% | 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 | 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 | 10.17% | 10.29% | 10.36% | 10.76% | 10.88% | 10.68% | 10.93% | 11.14% | +38 bps | |
| Net Worth / Assets | 10.17% | 10.29% | 10.36% | 10.76% | 10.88% | 10.68% | 10.93% | 11.14% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.42% | 91.15% | 89.88% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |