Houston, TX · Charter 68369
NCUA · 4 branches
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 | 0.64% | 0.67% | 0.52% | 0.51% | 0.51% | 0.60% | 0.94% | 0.92% | +41 bps | |
| Return on Equity | 5.77% | 5.94% | 4.72% | 4.57% | 4.46% | 5.08% | 7.91% | 7.67% | +310 bps | |
| Net Interest Margin | 4.44% | 4.51% | 4.29% | 4.39% | 4.58% | 4.74% | 4.72% | 4.75% | +36 bps | |
| Efficiency Ratio | 84.06% | 83.49% | 85.95% | 84.09% | 82.88% | 82.32% | 77.53% | 78.72% | -537 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.73% | 1.56% | 5.72% | 3.60% | 1.09% | 0.44% | -1.05% | -1.04% | -465 bps | |
| Loan Growth (YoY) | 2.53% | -1.68% | -4.17% | -4.63% | -5.41% | -1.18% | -2.75% | -0.55% | +408 bps | |
| Share Growth (YoY) | -1.32% | 1.59% | 3.77% | 3.46% | 0.57% | -1.13% | -1.74% | -2.34% | -581 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.39% | 2.15% | 1.62% | 0.70% | 1.21% | 1.40% | 0.98% | 1.05% | +35 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 | 11.05% | 11.32% | 11.08% | 11.12% | 11.51% | 11.88% | 11.89% | 12.03% | +91 bps | |
| Net Worth / Assets | 11.05% | 11.32% | 11.08% | 11.12% | 11.51% | 11.88% | 11.89% | 12.03% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.94% | 83.66% | 79.39% | 78.69% | 80.83% | 83.62% | 78.58% | 80.14% | +144 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |