Houston, TX · Charter 67508
NCUA · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | 0.19% | 0.25% | 0.26% | 0.24% | 0.25% | 0.17% | 0.15% | -11 bps | |
| Return on Equity | 0.74% | 2.50% | 3.26% | 3.16% | 2.89% | 3.03% | 2.00% | 1.90% | -126 bps | |
| Net Interest Margin | 3.20% | 3.25% | 3.48% | 3.64% | 3.77% | 3.82% | 3.98% | 4.03% | +40 bps | |
| Efficiency Ratio | 82.17% | 80.54% | 78.24% | 80.86% | 81.74% | 80.49% | 82.91% | 82.57% | +171 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.47% | 1.56% | 5.22% | -0.22% | -6.79% | -5.37% | -6.06% | -3.12% | -290 bps | |
| Loan Growth (YoY) | 1.05% | -0.66% | 0.75% | -0.58% | -2.02% | -0.03% | 2.33% | 4.79% | +537 bps | |
| Share Growth (YoY) | -1.53% | -0.64% | -2.74% | -4.25% | -6.68% | -5.22% | -1.86% | 4.28% | +854 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.86% | 0.42% | 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 | 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 | 7.63% | 7.77% | 7.75% | 8.13% | 8.36% | 8.30% | 8.31% | 7.83% | -30 bps | |
| Net Worth / Assets | 7.63% | 7.77% | 7.75% | 8.13% | 8.36% | 8.30% | 8.31% | 7.83% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.76% | 94.13% | 91.15% | 96.28% | 99.49% | 99.29% | 95.05% | 96.75% | +47 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 99.91% | 0.00% | 0 bps | |