Katy, TX · Charter 66353
NCUA · 13 branches
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 | 1.18% | 1.11% | 1.09% | 1.00% | 1.10% | -8 bps | |
| Return on Equity | 11.56% | 10.67% | 10.49% | 9.58% | 10.35% | -121 bps | |
| Net Interest Margin | 3.08% | 3.14% | 3.15% | 3.22% | 3.30% | +22 bps | |
| Efficiency Ratio | 67.90% | 65.79% | 65.95% | 65.17% | 66.66% | -124 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.05% | 3.74% | 4.51% | 4.19% | 5.74% | +269 bps | |
| Loan Growth (YoY) | -0.65% | -0.19% | -0.99% | -1.32% | -0.92% | -26 bps | |
| Share Growth (YoY) | 2.62% | 2.95% | 3.71% | 3.55% | 5.22% | +260 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.94% | 1.08% | 1.10% | 0.77% | 1.32% | +38 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 | 10.21% | 10.41% | 10.36% | 10.42% | 10.63% | +43 bps | |
| Net Worth / Assets | 10.21% | 10.41% | 10.36% | 10.42% | 10.63% | +43 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.49% | 49.70% | 48.22% | 46.26% | 46.60% | -289 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |