Houston, TX · Charter 8344
NCUA · 2 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 | 0.19% | 0.25% | 0.93% | 1.04% | 1.14% | 1.27% | 1.44% | 1.42% | +38 bps | |
| Return on Equity | 1.09% | 1.36% | 4.78% | 5.17% | 5.57% | 5.96% | 6.72% | 6.29% | +112 bps | |
| Net Interest Margin | 1.82% | 2.00% | 3.03% | 3.22% | 3.38% | 3.52% | 3.65% | 3.82% | +60 bps | |
| Efficiency Ratio | 85.55% | 84.69% | 66.51% | 66.08% | 61.60% | 60.69% | 65.57% | 62.65% | -344 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.44% | -3.15% | -10.86% | -12.29% | -8.87% | -9.35% | -3.30% | -5.03% | +726 bps | |
| Loan Growth (YoY) | 1.64% | -4.67% | -8.51% | -5.32% | -1.10% | -2.17% | -0.37% | 5.35% | +1,067 bps | |
| Share Growth (YoY) | -3.28% | -3.76% | -13.49% | -15.48% | -11.99% | -12.87% | -5.87% | -8.12% | +736 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.92% | 0.76% | 0.61% | 0.17% | 1.04% | 0.42% | 0.39% | -22 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 | 17.80% | 18.19% | 19.38% | 20.10% | 20.50% | 21.34% | 21.42% | 22.63% | +254 bps | |
| Net Worth / Assets | 17.80% | 18.19% | 19.38% | 20.10% | 20.50% | 21.34% | 21.42% | 22.63% | +254 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.56% | 60.22% | 61.77% | 64.21% | 65.81% | 67.62% | 65.37% | 73.62% | +941 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |