PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Harris County

Houston, TX · Charter 7552

NCUA · 1 branch

Q2 2026

$223.3MAssets
$109.4MLoans
$169.5MShares
$51.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.84%, down 52 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 1.62% of loans (+36 bps YoY).
  • Capital: net worth / assets of 22.91%, up 96 bps from a year ago.
  • Funding: loans stand at 64.58% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.84%-52 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+8 bps YoY

Efficiency Ratio (YTD, annualized)

54.60%+469 bps YoY

Net Worth / Assets

22.91%+96 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.36%1.86%1.90%1.84%1.84%-52 bps
Return on Equity10.75%8.34%8.45%8.17%8.01%-273 bps
Net Interest Margin4.14%4.17%4.21%4.20%4.23%+8 bps
Efficiency Ratio49.91%54.61%54.41%55.34%54.60%+469 bps
Growth
Asset Growth (YoY)2.67%3.36%4.61%4.36%4.57%+189 bps
Loan Growth (YoY)-3.06%-4.60%-5.81%-6.35%-6.08%-301 bps
Share Growth (YoY)1.57%1.42%3.74%2.61%2.08%+51 bps
Asset Quality
Delinquent Loans / Loans1.26%1.70%1.63%1.65%1.62%+36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital21.95%22.25%22.53%22.53%22.91%+96 bps
Net Worth / Assets21.95%22.25%22.53%22.53%22.91%+96 bps
Liquidity & Funding
Loans / Shares70.19%69.09%67.23%64.76%64.58%-561 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps