PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Houston Highway

Houston, TX · Charter 67627

NCUA · 1 branch

Q2 2026

$48.4MAssets
$21.9MLoans
$42.0MShares
$5.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.39%, down 47 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 1.14% of loans (+94 bps YoY).
  • Capital: net worth / assets of 10.92%, up 40 bps from a year ago.
  • Funding: loans stand at 52.14% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.39%-47 bps YoY

Net Interest Margin (YTD, annualized)

2.74%-53 bps YoY

Efficiency Ratio (YTD, annualized)

93.12%+1,321 bps YoY

Net Worth / Assets

10.92%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%1.92%1.07%0.85%0.77%1.26%0.73%0.39%-47 bps
Return on Equity8.75%19.69%10.49%8.10%7.22%11.51%6.58%3.53%-457 bps
Net Interest Margin3.48%3.20%3.23%3.27%3.26%3.08%2.86%2.74%-53 bps
Efficiency Ratio82.94%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 / Loans0.20%0.41%0.34%0.20%0.21%0.27%0.34%1.14%+94 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.00%9.74%10.22%10.51%10.69%10.96%11.14%10.92%+40 bps
Net Worth / Assets9.00%9.74%10.22%10.51%10.69%10.96%11.14%10.92%+40 bps
Liquidity & Funding
Loans / Shares63.49%58.29%57.12%56.44%56.55%56.24%54.86%52.14%-430 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps