Houston, TX · Charter 66818
NCUA · 18 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 | 0.51% | 0.46% | 0.02% | 0.83% | 0.68% | 0.60% | 0.90% | 0.85% | +2 bps | |
| Return on Equity | 5.73% | 5.44% | 0.20% | 9.72% | 8.46% | 7.74% | 11.09% | 10.63% | +91 bps | |
| Net Interest Margin | 2.49% | 2.46% | 2.82% | 2.95% | 2.83% | 2.79% | 2.85% | 3.19% | +24 bps | |
| Efficiency Ratio | 78.84% | 78.00% | 86.74% | 77.03% | 75.79% | 74.50% | 74.27% | 72.58% | -445 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.18% | 2.21% | 4.58% | 9.83% | 18.73% | 16.14% | 7.92% | 15.41% | +558 bps | |
| Loan Growth (YoY) | -2.55% | 0.36% | 7.47% | 15.06% | 22.32% | 7.15% | 5.88% | 17.23% | +218 bps | |
| Share Growth (YoY) | 2.54% | 3.26% | 1.65% | 2.16% | 3.16% | 3.98% | 3.01% | 0.82% | -134 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.63% | 0.53% | 0.60% | 0.58% | 0.48% | 0.40% | 0.39% | -21 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 | 8.98% | 8.48% | 7.92% | 8.55% | 8.05% | 7.81% | 8.09% | 7.98% | -57 bps | |
| Net Worth / Assets | 8.98% | 8.48% | 7.92% | 8.55% | 8.05% | 7.81% | 8.09% | 7.98% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.97% | 98.56% | 105.81% | 101.82% | 111.42% | 101.56% | 108.75% | 118.40% | +1,658 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |