Tomball, TX · Charter 66372
NCUA · 2 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 | 0.78% | 0.79% | 0.55% | 0.60% | 0.69% | 0.73% | 0.69% | 0.72% | +12 bps | |
| Return on Equity | 8.70% | 8.61% | 5.86% | 6.24% | 7.06% | 7.33% | 6.76% | 6.92% | +68 bps | |
| Net Interest Margin | 3.24% | 3.35% | 3.58% | 3.69% | 3.73% | 3.80% | 3.90% | 3.86% | +18 bps | |
| Efficiency Ratio | 77.97% | 77.52% | 80.94% | 80.61% | 79.36% | 79.20% | 81.31% | 80.97% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.29% | -1.99% | -2.69% | -1.70% | -1.41% | -1.06% | -1.52% | -0.25% | +145 bps | |
| Loan Growth (YoY) | -7.66% | -9.53% | -9.67% | -12.03% | -10.33% | -3.32% | 3.83% | 5.67% | +1,770 bps | |
| Share Growth (YoY) | -2.91% | -2.74% | -3.63% | -2.35% | -2.46% | -2.27% | -2.45% | -1.07% | +128 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.92% | 0.88% | 0.53% | 0.35% | 0.39% | 0.33% | 0.20% | -34 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 | 8.91% | 9.19% | 9.36% | 9.59% | 9.73% | 9.99% | 10.25% | 10.37% | +79 bps | |
| Net Worth / Assets | 8.91% | 9.19% | 9.36% | 9.59% | 9.73% | 9.99% | 10.25% | 10.37% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.98% | 47.61% | 46.47% | 45.53% | 45.02% | 47.09% | 49.46% | 48.64% | +310 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.95% | 0.00% | 99.71% | 0.00% | 0.00% | 99.92% | +9,992 bps | |