Houston, TX · Charter 68529
NCUA · 2 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 | 3.04% | 2.38% | 3.56% | 3.36% | 2.89% | 2.91% | 2.73% | 2.37% | -99 bps | |
| Return on Equity | 13.58% | 10.77% | 16.69% | 16.64% | 14.29% | 15.41% | 10.75% | 8.85% | -779 bps | |
| Net Interest Margin | 4.98% | 4.91% | 4.55% | 4.31% | 4.13% | 3.74% | 4.55% | 4.57% | +27 bps | |
| Efficiency Ratio | 51.94% | 61.16% | 66.71% | 61.40% | 64.91% | 61.10% | 70.10% | 73.34% | +1,195 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.39% | 1.47% | 11.86% | 32.07% | 24.87% | 38.03% | -2.20% | -14.59% | -4,666 bps | |
| Loan Growth (YoY) | 3.04% | -3.64% | -16.68% | -31.23% | -29.78% | -29.98% | -26.03% | -14.40% | +1,683 bps | |
| Share Growth (YoY) | 1.61% | -0.28% | 2.57% | 27.96% | 21.79% | 40.68% | -2.86% | -18.41% | -4,636 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.73% | 0.63% | 2.31% | 1.31% | 1.59% | 1.62% | 0.93% | -138 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 | 22.38% | 22.09% | 21.30% | 20.20% | 20.21% | 18.92% | 25.35% | 26.81% | +661 bps | |
| Net Worth / Assets | 22.38% | 22.09% | 21.30% | 20.20% | 20.21% | 18.92% | 25.35% | 26.81% | +661 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.27% | 88.44% | 82.24% | 59.24% | 54.36% | 44.01% | 62.63% | 62.14% | +291 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |