Houston, TX · Charter 67465
NCUA · 10 branches
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 | 0.52% | 0.52% | 0.66% | 0.17% | 0.27% | -25 bps | |
| Return on Equity | 6.87% | 6.91% | 8.50% | 2.25% | 3.65% | -322 bps | |
| Net Interest Margin | 3.66% | 3.72% | 3.67% | 3.55% | 3.61% | -5 bps | |
| Efficiency Ratio | 76.21% | 73.68% | 73.85% | 85.75% | 83.44% | +723 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.97% | 3.96% | 4.27% | 3.78% | 3.61% | -536 bps | |
| Loan Growth (YoY) | 15.59% | 14.35% | 11.11% | 6.26% | 6.25% | -935 bps | |
| Share Growth (YoY) | 11.76% | 5.02% | 5.16% | 3.98% | 4.02% | -774 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.79% | 0.87% | 0.67% | 0.64% | 0.55% | -24 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 | 7.59% | 7.59% | 7.72% | 7.67% | 7.49% | -10 bps | |
| Net Worth / Assets | 7.59% | 7.59% | 7.72% | 7.67% | 7.49% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.20% | 94.07% | 91.86% | 89.91% | 93.15% | +195 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |