Houston, TX · Charter 67660
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 | -0.22% | -0.16% | -0.12% | -0.12% | -0.26% | -0.49% | -0.70% | -0.82% | -71 bps | |
| Return on Equity | -1.61% | -1.17% | -0.88% | -0.86% | -1.93% | -3.76% | -5.26% | -6.23% | -537 bps | |
| Net Interest Margin | 3.69% | 3.65% | 3.63% | 3.64% | 3.64% | 3.64% | 3.58% | 3.63% | -1 bps | |
| Efficiency Ratio | 106.91% | 104.70% | 102.74% | 102.67% | 103.49% | 108.77% | 114.19% | 119.10% | +1,643 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.33% | -1.47% | -0.96% | -3.80% | 0.20% | -0.13% | -2.62% | -3.49% | +31 bps | |
| Loan Growth (YoY) | -9.23% | -12.12% | -11.24% | -10.90% | -12.17% | -6.65% | -10.75% | -9.13% | +177 bps | |
| Share Growth (YoY) | -3.90% | -1.52% | 0.40% | -3.37% | 1.27% | 1.98% | -2.74% | -2.26% | +111 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.67% | 2.29% | 2.91% | 3.68% | 3.16% | 2.17% | 3.18% | 1.87% | -181 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 | 13.74% | 13.62% | 13.63% | 13.67% | 13.46% | 13.09% | 13.29% | 13.24% | -43 bps | |
| Net Worth / Assets | 13.74% | 13.62% | 13.63% | 13.67% | 13.46% | 13.09% | 13.29% | 13.24% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.48% | 62.31% | 60.72% | 59.73% | 55.92% | 57.03% | 55.72% | 55.53% | -420 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |