Katy, TX · Charter 66353
NCUA · 13 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.27% | 1.43% | 1.18% | 1.11% | 1.09% | 1.00% | 1.10% | -8 bps | |
| Return on Equity | 1.49% | 2.75% | 14.45% | 11.56% | 10.67% | 10.49% | 9.58% | 10.35% | -121 bps | |
| Net Interest Margin | 2.73% | 2.74% | 2.94% | 3.08% | 3.14% | 3.15% | 3.22% | 3.30% | +22 bps | |
| Efficiency Ratio | 78.80% | 76.55% | 64.95% | 67.90% | 65.79% | 65.95% | 65.17% | 66.66% | -124 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.09% | 1.91% | 3.78% | 3.05% | 3.74% | 4.51% | 4.19% | 5.74% | +269 bps | |
| Loan Growth (YoY) | -0.48% | -1.44% | -1.48% | -0.65% | -0.19% | -0.99% | -1.32% | -0.92% | -26 bps | |
| Share Growth (YoY) | -0.16% | 1.46% | 2.84% | 2.62% | 2.95% | 3.71% | 3.55% | 5.22% | +260 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.94% | 0.47% | 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 | 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 | 9.86% | 9.77% | 9.92% | 10.21% | 10.41% | 10.36% | 10.42% | 10.63% | +43 bps | |
| Net Worth / Assets | 9.86% | 9.77% | 9.92% | 10.21% | 10.41% | 10.36% | 10.42% | 10.63% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.26% | 50.51% | 48.54% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |