Houston, TX · Charter 68675
NCUA · 3 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 | 2.49% | 1.80% | 1.63% | 2.46% | 2.01% | 1.49% | 1.58% | 2.38% | -8 bps | |
| Return on Equity | 12.30% | 9.03% | 8.17% | 12.20% | 9.79% | 7.55% | 7.88% | 11.33% | -87 bps | |
| Net Interest Margin | 2.73% | 2.59% | 2.10% | 1.98% | 1.97% | 1.84% | 1.69% | 1.72% | -26 bps | |
| Efficiency Ratio | 30.95% | 40.19% | 43.35% | 32.42% | 33.95% | 39.53% | 45.72% | 37.11% | +469 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.55% | 10.06% | 10.01% | 6.43% | 6.50% | 10.60% | 9.04% | 4.77% | -166 bps | |
| Loan Growth (YoY) | 47.43% | 37.91% | 33.24% | 17.66% | 13.74% | 12.29% | 12.80% | 7.80% | -985 bps | |
| Share Growth (YoY) | 16.06% | 10.10% | 10.50% | 5.96% | 6.20% | 10.81% | 8.89% | 3.68% | -227 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.90% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.26% | 19.92% | 19.97% | 20.20% | 20.49% | 19.77% | 20.09% | 21.03% | +83 bps | |
| Net Worth / Assets | 20.26% | 19.92% | 19.97% | 20.20% | 20.49% | 19.77% | 20.09% | 21.03% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.22% | 57.18% | 58.66% | 54.97% | 63.42% | 57.94% | 60.77% | 57.15% | +218 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |