Houston, TX · Charter 7552
NCUA · 1 branch
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 | 1.64% | 1.70% | 1.93% | 2.36% | 1.86% | 1.90% | 1.84% | 1.84% | -52 bps | |
| Return on Equity | 7.79% | 7.87% | 8.97% | 10.75% | 8.34% | 8.45% | 8.17% | 8.01% | -273 bps | |
| Net Interest Margin | 3.94% | 4.05% | 4.13% | 4.14% | 4.17% | 4.21% | 4.20% | 4.23% | +8 bps | |
| Efficiency Ratio | 56.94% | 56.60% | 53.66% | 49.91% | 54.61% | 54.41% | 55.34% | 54.60% | +469 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.41% | 2.52% | 3.56% | 2.67% | 3.36% | 4.61% | 4.36% | 4.57% | +189 bps | |
| Loan Growth (YoY) | 5.15% | 3.18% | 0.17% | -3.06% | -4.60% | -5.81% | -6.35% | -6.08% | -301 bps | |
| Share Growth (YoY) | 1.07% | 1.17% | 2.43% | 1.57% | 1.42% | 3.74% | 2.61% | 2.08% | +51 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 1.20% | 1.27% | 1.26% | 1.70% | 1.63% | 1.65% | 1.62% | +36 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 | 21.10% | 21.57% | 21.57% | 21.95% | 22.25% | 22.53% | 22.53% | 22.91% | +96 bps | |
| Net Worth / Assets | 21.10% | 21.57% | 21.57% | 21.95% | 22.25% | 22.53% | 22.53% | 22.91% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.44% | 74.05% | 70.96% | 70.19% | 69.09% | 67.23% | 64.76% | 64.58% | -561 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |