Baytown, TX · Charter 68021
NCUA · 9 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.41% | 1.16% | 1.13% | 1.20% | 1.44% | +3 bps | |
| Return on Equity | 13.75% | 11.25% | 11.17% | 11.37% | 13.07% | -68 bps | |
| Net Interest Margin | 3.96% | 3.94% | 3.82% | 3.94% | 4.06% | +11 bps | |
| Efficiency Ratio | 70.99% | 73.33% | 73.96% | 75.89% | 74.13% | +314 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.80% | 2.67% | 5.80% | 3.21% | 4.07% | +327 bps | |
| Loan Growth (YoY) | 9.33% | 7.88% | 4.15% | 2.16% | 1.79% | -754 bps | |
| Share Growth (YoY) | 6.33% | 5.50% | 6.57% | 1.21% | 3.72% | -261 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.59% | 0.52% | 0.60% | 0.47% | +9 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.25% | 10.28% | 10.14% | 10.56% | 11.02% | +77 bps | |
| Net Worth / Assets | 10.25% | 10.28% | 10.14% | 10.56% | 11.02% | +77 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.56% | 92.38% | 91.49% | 89.26% | 88.87% | -169 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |