Sugar Land, TX · Charter 67625
NCUA · 1 branch
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 | 1.62% | 1.62% | 1.57% | 1.64% | 1.70% | 1.70% | 1.67% | 1.81% | +18 bps | |
| Return on Equity | 7.04% | 6.86% | 6.74% | 6.88% | 6.94% | 6.83% | 6.89% | 7.33% | +45 bps | |
| Net Interest Margin | 2.31% | 2.35% | 2.37% | 2.47% | 2.53% | 2.55% | 2.56% | 2.67% | +20 bps | |
| Efficiency Ratio | 43.24% | 44.02% | 46.33% | 44.89% | 44.10% | 44.13% | 44.11% | 41.07% | -383 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.23% | -2.56% | -1.32% | 0.54% | 1.27% | 1.93% | 2.71% | 3.31% | +276 bps | |
| Loan Growth (YoY) | 21.69% | 10.36% | 9.04% | 0.17% | -1.67% | -3.79% | -5.04% | 1.40% | +123 bps | |
| Share Growth (YoY) | -4.91% | -4.88% | -3.60% | -1.36% | -0.62% | -0.14% | 1.00% | 1.93% | +329 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.64% | 0.34% | 0.27% | 0.40% | 0.76% | 0.48% | 0.57% | +30 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 | 23.07% | 23.65% | 23.25% | 23.75% | 24.44% | 24.90% | 24.30% | 24.73% | +98 bps | |
| Net Worth / Assets | 23.07% | 23.65% | 23.25% | 23.75% | 24.44% | 24.90% | 24.30% | 24.73% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.35% | 41.19% | 39.01% | 39.67% | 39.93% | 39.68% | 36.68% | 39.47% | -20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |