Houston, TX · Charter 9214
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.27% | 0.30% | 1.12% | 0.70% | +45 bps | |
| Return on Equity | 0.59% | 0.62% | 0.67% | 2.56% | 1.57% | +98 bps | |
| Net Interest Margin | 2.93% | 3.10% | 3.10% | 2.67% | 2.76% | -17 bps | |
| Efficiency Ratio | 87.98% | 88.26% | 88.10% | 62.00% | 77.19% | -1,078 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.81% | -0.42% | -0.93% | -0.29% | -4.91% | -972 bps | |
| Loan Growth (YoY) | 1.54% | -0.39% | -4.98% | -10.80% | -12.73% | -1,427 bps | |
| Share Growth (YoY) | 7.47% | -1.18% | -1.96% | -2.14% | -9.65% | -1,711 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.05% | 3.18% | 3.81% | 3.25% | 2.09% | -196 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 41.79% | 43.53% | 44.29% | 43.75% | 44.47% | +267 bps | |
| Net Worth / Assets | 41.79% | 43.53% | 44.29% | 43.75% | 44.47% | +267 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.25% | 77.40% | 77.25% | 71.43% | 70.75% | -250 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |