Houston, TX · Charter 66582
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.12% | 2.19% | 2.14% | 1.64% | 1.62% | -51 bps | |
| Return on Equity | 9.14% | 9.17% | 8.52% | 6.72% | 6.76% | -238 bps | |
| Net Interest Margin | 4.94% | 5.00% | 5.11% | 4.96% | 4.75% | -19 bps | |
| Efficiency Ratio | 58.00% | 56.78% | 58.65% | 67.41% | 68.85% | +1,085 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.41% | 0.93% | -5.18% | -2.34% | 4.95% | +454 bps | |
| Loan Growth (YoY) | 12.85% | 9.22% | -2.26% | -3.29% | 5.38% | -747 bps | |
| Share Growth (YoY) | -0.55% | -2.78% | -9.10% | -4.21% | 4.48% | +503 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.61% | 0.67% | 0.71% | 0.71% | +62 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 | 23.24% | 23.89% | 25.09% | 24.41% | 23.88% | +64 bps | |
| Net Worth / Assets | 23.24% | 23.89% | 25.09% | 24.41% | 23.88% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.07% | 79.46% | 79.61% | 72.07% | 79.75% | +68 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |