PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

KBR Heritage

Houston, TX · Charter 8344

NCUA · 2 branches

Q2 2026

$76.4MAssets
$43.3MLoans
$58.8MShares
$17.3MNet 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 1.42%, up 38 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.39% of loans (-22 bps YoY).
  • Capital: net worth / assets of 22.63%, up 254 bps from a year ago.
  • Funding: loans stand at 73.62% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.42%+38 bps YoY

Net Interest Margin (quarter, annualized)

3.82%+60 bps YoY

Efficiency Ratio (quarter, annualized)

62.65%-344 bps YoY

Net Worth / Assets

22.63%+254 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.14%1.27%1.44%1.42%+38 bps
Return on Equity5.17%5.57%5.96%6.72%6.29%+112 bps
Net Interest Margin3.22%3.38%3.52%3.65%3.82%+60 bps
Efficiency Ratio66.08%61.60%60.69%65.57%62.65%-344 bps
Growth
Asset Growth (YoY)-12.29%-8.87%-9.35%-3.30%-5.03%+726 bps
Loan Growth (YoY)-5.32%-1.10%-2.17%-0.37%5.35%+1,067 bps
Share Growth (YoY)-15.48%-11.99%-12.87%-5.87%-8.12%+736 bps
Asset Quality
Delinquent Loans / Loans0.61%0.17%1.04%0.42%0.39%-22 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 Capital20.10%20.50%21.34%21.42%22.63%+254 bps
Net Worth / Assets20.10%20.50%21.34%21.42%22.63%+254 bps
Liquidity & Funding
Loans / Shares64.21%65.81%67.62%65.37%73.62%+941 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps