Houston, TX · Charter 67486
NCUA · 1 branch
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 | 0.71% | 0.70% | 0.70% | 0.54% | 0.57% | 0.48% | 0.08% | 0.07% | -48 bps | |
| Return on Equity | 4.40% | 4.25% | 4.19% | 3.25% | 3.21% | 2.69% | 0.47% | 0.37% | -288 bps | |
| Net Interest Margin | 3.16% | 3.24% | 3.18% | 3.10% | 3.24% | 3.21% | 3.08% | 2.98% | -12 bps | |
| Efficiency Ratio | 78.90% | 79.50% | 77.67% | 82.59% | 82.70% | 85.33% | 93.29% | 95.87% | +1,328 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.49% | 3.21% | -1.91% | -1.49% | -6.83% | -5.49% | -6.13% | -3.35% | -186 bps | |
| Loan Growth (YoY) | -23.74% | -21.47% | -20.30% | -22.71% | -22.80% | -25.18% | -21.14% | -22.04% | +67 bps | |
| Share Growth (YoY) | 2.00% | 2.89% | -3.16% | -2.59% | -8.69% | -7.11% | -7.67% | -4.27% | -168 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 2.26% | 2.11% | 2.19% | 2.01% | 3.65% | 2.05% | 0.00% | -219 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 | 16.11% | 16.50% | 16.60% | 16.71% | 17.89% | 17.94% | 18.00% | 17.51% | +80 bps | |
| Net Worth / Assets | 16.11% | 16.50% | 16.60% | 16.71% | 17.89% | 17.94% | 18.00% | 17.51% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.13% | 20.11% | 19.49% | 17.33% | 17.02% | 16.20% | 16.65% | 14.11% | -322 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |