Humble, TX · Charter 67493
NCUA · 2 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 | 0.17% | 0.15% | -0.41% | -0.47% | -0.50% | -0.09% | 0.24% | 0.30% | +78 bps | |
| Return on Equity | 1.01% | 0.82% | -2.41% | -2.67% | -2.88% | -0.52% | 1.46% | 1.84% | +451 bps | |
| Net Interest Margin | 4.67% | 4.97% | 4.60% | 4.88% | 4.84% | 4.80% | 4.51% | 4.69% | -20 bps | |
| Efficiency Ratio | 94.66% | 94.32% | 101.06% | 98.84% | 99.63% | 95.16% | 91.22% | 90.91% | -794 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.12% | -4.85% | -3.15% | -6.70% | -4.51% | 3.45% | 6.07% | 9.39% | +1,609 bps | |
| Loan Growth (YoY) | 6.13% | 3.86% | 1.31% | 6.58% | 8.37% | 8.39% | 6.26% | -1.31% | -789 bps | |
| Share Growth (YoY) | 2.00% | -4.01% | -3.27% | -7.22% | -5.20% | 4.30% | 8.03% | 12.02% | +1,924 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.04% | 0.62% | 0.63% | 0.88% | 0.58% | 0.48% | 0.59% | 0.55% | -34 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 | 16.91% | 17.94% | 17.17% | 17.76% | 17.28% | 17.19% | 16.21% | 16.46% | -130 bps | |
| Net Worth / Assets | 16.91% | 17.94% | 17.17% | 17.76% | 17.28% | 17.19% | 16.21% | 16.46% | -130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.52% | 93.24% | 88.07% | 99.27% | 98.91% | 96.90% | 86.62% | 87.46% | -1,181 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |