Houston, TX · Charter 67627
NCUA · 1 branch
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 | 0.79% | 1.92% | 1.07% | 0.85% | 0.77% | 1.26% | 0.73% | 0.39% | -47 bps | |
| Return on Equity | 8.75% | 19.69% | 10.49% | 8.10% | 7.22% | 11.51% | 6.58% | 3.53% | -457 bps | |
| Net Interest Margin | 3.48% | 3.20% | 3.23% | 3.27% | 3.26% | 3.08% | 2.86% | 2.74% | -53 bps | |
| Efficiency Ratio | 82.94% | 52.10% | 82.12% | 79.91% | 79.14% | 61.84% | 92.40% | 93.12% | +1,321 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.21% | -1.16% | 0.18% | 1.43% | 3.52% | 0.24% | 2.45% | 6.16% | +473 bps | |
| Loan Growth (YoY) | -17.48% | -18.54% | -17.22% | -16.69% | -11.58% | -6.12% | -2.82% | -3.74% | +1,295 bps | |
| Share Growth (YoY) | -8.10% | -5.07% | -4.42% | -2.90% | -0.72% | -2.69% | 1.18% | 4.19% | +709 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.41% | 0.34% | 0.20% | 0.21% | 0.27% | 0.34% | 1.14% | +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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.00% | 9.74% | 10.22% | 10.51% | 10.69% | 10.96% | 11.14% | 10.92% | +40 bps | |
| Net Worth / Assets | 9.00% | 9.74% | 10.22% | 10.51% | 10.69% | 10.96% | 11.14% | 10.92% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.49% | 58.29% | 57.12% | 56.44% | 56.55% | 56.24% | 54.86% | 52.14% | -430 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |