Pasadena, TX · Charter 67477
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.42% | 0.41% | -0.90% | -0.70% | -94 bps | |
| Return on Equity | 1.89% | 3.14% | 3.12% | -7.23% | -5.53% | -742 bps | |
| Net Interest Margin | 5.26% | 5.55% | 5.59% | 5.16% | 5.50% | +24 bps | |
| Efficiency Ratio | 93.31% | 92.73% | 92.21% | 110.93% | 103.75% | +1,044 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.52% | -6.54% | -3.43% | -4.21% | -2.98% | +54 bps | |
| Loan Growth (YoY) | -0.94% | -1.76% | -4.85% | -3.04% | -2.44% | -150 bps | |
| Share Growth (YoY) | -4.54% | -7.14% | 2.29% | -4.61% | -3.18% | +137 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 0.72% | 0.76% | 0.97% | 0.57% | +3 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 | 12.56% | 13.28% | 13.29% | 12.42% | 12.70% | +14 bps | |
| Net Worth / Assets | 12.56% | 13.28% | 13.29% | 12.42% | 12.70% | +14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.70% | 86.67% | 86.26% | 82.12% | 86.36% | +65 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |