Houston, TX · Charter 67624
NCUA · 2 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 | 1.00% | 0.50% | 0.22% | -0.47% | -0.47% | -147 bps | |
| Return on Equity | 3.86% | 1.74% | 0.78% | -1.71% | -1.76% | -563 bps | |
| Net Interest Margin | 5.80% | 6.37% | 6.11% | 5.74% | 5.89% | +10 bps | |
| Efficiency Ratio | 82.79% | 90.13% | 91.71% | 99.85% | 92.67% | +988 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.05% | -7.70% | -3.48% | -4.83% | -5.56% | -1,861 bps | |
| Loan Growth (YoY) | -4.30% | -10.33% | -10.83% | -15.09% | -8.29% | -399 bps | |
| Share Growth (YoY) | 18.70% | -10.88% | -4.94% | -5.39% | -6.61% | -2,531 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.25% | 2.73% | 5.53% | 5.85% | 3.19% | +94 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.82% | 0.96% | 1.29% | 1.71% | +117 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.87% | 28.86% | 27.61% | 27.29% | 26.84% | +97 bps | |
| Net Worth / Assets | 25.87% | 28.86% | 27.61% | 27.29% | 26.84% | +97 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.13% | 97.77% | 89.24% | 86.16% | 85.56% | -157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |