Houston, TX · Charter 67465
NCUA · 10 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 | 0.05% | 0.22% | 0.47% | 0.52% | 0.52% | 0.66% | 0.17% | 0.27% | -25 bps | |
| Return on Equity | 0.67% | 2.55% | 6.05% | 6.87% | 6.91% | 8.50% | 2.25% | 3.65% | -322 bps | |
| Net Interest Margin | 3.84% | 3.80% | 3.61% | 3.66% | 3.72% | 3.67% | 3.55% | 3.61% | -5 bps | |
| Efficiency Ratio | 76.73% | 76.65% | 72.53% | 76.21% | 73.68% | 73.85% | 85.75% | 83.44% | +723 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.34% | 20.80% | 13.47% | 8.97% | 3.96% | 4.27% | 3.78% | 3.61% | -536 bps | |
| Loan Growth (YoY) | 8.40% | 8.32% | 14.35% | 15.59% | 14.35% | 11.11% | 6.26% | 6.25% | -935 bps | |
| Share Growth (YoY) | 29.15% | 29.86% | 18.68% | 11.76% | 5.02% | 5.16% | 3.98% | 4.02% | -774 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 1.08% | 0.89% | 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 | 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 | 7.94% | 8.47% | 7.75% | 7.59% | 7.59% | 7.72% | 7.67% | 7.49% | -10 bps | |
| Net Worth / Assets | 7.94% | 8.47% | 7.75% | 7.59% | 7.59% | 7.72% | 7.67% | 7.49% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.39% | 86.95% | 87.98% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |