Humble, TX · Charter 6318
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.39% | 1.53% | 1.30% | 1.97% | 1.44% | -195 bps | |
| Return on Equity | 8.34% | 3.81% | 3.21% | 4.83% | 3.56% | -479 bps | |
| Net Interest Margin | 8.48% | 6.53% | 6.37% | 7.02% | 4.23% | -425 bps | |
| Efficiency Ratio | 60.96% | 75.33% | 79.45% | 76.12% | 67.91% | +696 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.17% | 8.36% | 7.53% | 5.94% | 4.94% | +1,110 bps | |
| Loan Growth (YoY) | 12.89% | 18.78% | 13.16% | -10.03% | -10.50% | -2,339 bps | |
| Share Growth (YoY) | -9.39% | 9.33% | 10.83% | 8.17% | 5.15% | +1,454 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.57% | 4.82% | 6.08% | 5.31% | 9.37% | +780 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.74% | 0.77% | 0.83% | 0.86% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 40.64% | 40.27% | 40.49% | 40.79% | 40.46% | -18 bps | |
| Net Worth / Assets | 40.64% | 40.27% | 40.49% | 40.79% | 40.46% | -18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 134.02% | 137.29% | 131.73% | 119.61% | 114.08% | -1,994 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |