Houston, TX · Charter 68440
NCUA · 5 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | -0.18% | -0.12% | 1.23% | 0.70% | 0.49% | -0.02% | 0.14% | -110 bps | |
| Return on Equity | -1.37% | -1.51% | -1.04% | 10.23% | 5.80% | 4.01% | -0.19% | 1.09% | -914 bps | |
| Net Interest Margin | 3.64% | 3.71% | 3.56% | 3.86% | 3.93% | 3.96% | 3.99% | 4.20% | +35 bps | |
| Efficiency Ratio | 92.44% | 93.21% | 97.64% | 75.60% | 79.65% | 82.28% | 90.86% | 86.69% | +1,109 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.41% | -8.19% | -13.33% | -1.82% | 8.81% | 11.37% | 11.39% | -4.04% | -221 bps | |
| Loan Growth (YoY) | -11.72% | -12.98% | -13.19% | 0.81% | 2.44% | 6.17% | 10.75% | 0.33% | -48 bps | |
| Share Growth (YoY) | -6.36% | -8.48% | -7.52% | 4.72% | 7.79% | 10.65% | 10.72% | -4.32% | -903 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.52% | 0.29% | 0.57% | 0.46% | 0.56% | 0.45% | 0.40% | -18 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 | 11.73% | 12.00% | 11.69% | 12.05% | 12.11% | 12.13% | 11.84% | 12.45% | +40 bps | |
| Net Worth / Assets | 11.73% | 12.00% | 11.69% | 12.05% | 12.11% | 12.13% | 11.84% | 12.45% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.25% | 83.39% | 78.54% | 79.96% | 79.12% | 80.01% | 78.56% | 83.85% | +388 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |