Houston, TX · Charter 67508
NCUA · 8 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 | 0.26% | 0.24% | 0.25% | 0.17% | 0.15% | -11 bps | |
| Return on Equity | 3.16% | 2.89% | 3.03% | 2.00% | 1.90% | -126 bps | |
| Net Interest Margin | 3.64% | 3.77% | 3.82% | 3.98% | 4.03% | +40 bps | |
| Efficiency Ratio | 80.86% | 81.74% | 80.49% | 82.91% | 82.57% | +171 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.22% | -6.79% | -5.37% | -6.06% | -3.12% | -290 bps | |
| Loan Growth (YoY) | -0.58% | -2.02% | -0.03% | 2.33% | 4.79% | +537 bps | |
| Share Growth (YoY) | -4.25% | -6.68% | -5.22% | -1.86% | 4.28% | +854 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.06% | 0.94% | 0.98% | 0.67% | 0.77% | -29 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 | 8.13% | 8.36% | 8.30% | 8.31% | 7.83% | -30 bps | |
| Net Worth / Assets | 8.13% | 8.36% | 8.30% | 8.31% | 7.83% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.28% | 99.49% | 99.29% | 95.05% | 96.75% | +47 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 99.91% | 0.00% | 0 bps | |