Houston, TX · Charter 68605
NCUA · 14 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.42% | 0.42% | 0.24% | 0.49% | +9 bps | |
| Return on Equity | 3.59% | 3.75% | 3.84% | 2.21% | 4.44% | +86 bps | |
| Net Interest Margin | 3.66% | 3.70% | 3.65% | 3.64% | 3.78% | +12 bps | |
| Efficiency Ratio | 81.84% | 81.39% | 80.97% | 82.58% | 79.53% | -232 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.16% | 5.30% | -8.66% | 4.69% | 5.40% | -276 bps | |
| Loan Growth (YoY) | 9.06% | 7.76% | 8.36% | 7.66% | 8.28% | -78 bps | |
| Share Growth (YoY) | 8.38% | 3.88% | 5.79% | 4.54% | 3.28% | -510 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.78% | 0.72% | 0.57% | 0.53% | 0.62% | -15 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 | 11.06% | 11.11% | 10.92% | 10.90% | 10.94% | -12 bps | |
| Net Worth / Assets | 11.06% | 11.11% | 10.92% | 10.90% | 10.94% | -12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.92% | 90.22% | 91.36% | 89.09% | 93.23% | +431 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |