Houston, TX · Charter 67624
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 | 1.23% | 0.89% | 0.86% | 1.00% | 0.50% | 0.22% | -0.47% | -0.47% | -147 bps | |
| Return on Equity | 4.69% | 3.38% | 3.31% | 3.86% | 1.74% | 0.78% | -1.71% | -1.76% | -563 bps | |
| Net Interest Margin | 5.62% | 5.67% | 5.92% | 5.80% | 6.37% | 6.11% | 5.74% | 5.89% | +10 bps | |
| Efficiency Ratio | 83.47% | 83.59% | 84.70% | 82.79% | 90.13% | 91.71% | 99.85% | 92.67% | +988 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.84% | 5.70% | 9.69% | 13.05% | -7.70% | -3.48% | -4.83% | -5.56% | -1,861 bps | |
| Loan Growth (YoY) | -2.73% | -7.56% | -0.53% | -4.30% | -10.33% | -10.83% | -15.09% | -8.29% | -399 bps | |
| Share Growth (YoY) | 10.38% | 8.38% | 10.83% | 18.70% | -10.88% | -4.94% | -5.39% | -6.61% | -2,531 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.62% | 2.45% | 2.13% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.68% | 1.19% | 1.12% | 0.53% | 0.82% | 0.96% | 1.29% | 1.71% | +117 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.33% | 26.44% | 26.09% | 25.87% | 28.86% | 27.61% | 27.29% | 26.84% | +97 bps | |
| Net Worth / Assets | 26.33% | 26.44% | 26.09% | 25.87% | 28.86% | 27.61% | 27.29% | 26.84% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.17% | 95.13% | 96.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |