Houston, TX · Charter 9214
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 | 1.19% | 1.07% | 0.23% | 0.25% | 0.27% | 0.30% | 1.12% | 0.70% | +45 bps | |
| Return on Equity | 2.76% | 2.45% | 0.54% | 0.59% | 0.62% | 0.67% | 2.56% | 1.57% | +98 bps | |
| Net Interest Margin | 3.41% | 3.38% | 2.99% | 2.93% | 3.10% | 3.10% | 2.67% | 2.76% | -17 bps | |
| Efficiency Ratio | 62.32% | 66.86% | 88.53% | 87.98% | 88.26% | 88.10% | 62.00% | 77.19% | -1,078 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.62% | 0.66% | 0.55% | 4.81% | -0.42% | -0.93% | -0.29% | -4.91% | -972 bps | |
| Loan Growth (YoY) | 0.06% | 3.18% | 2.79% | 1.54% | -0.39% | -4.98% | -10.80% | -12.73% | -1,427 bps | |
| Share Growth (YoY) | -0.17% | -0.97% | -0.50% | 7.47% | -1.18% | -1.96% | -2.14% | -9.65% | -1,711 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.05% | 4.34% | 3.77% | 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 | 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 | 42.98% | 43.58% | 43.12% | 41.79% | 43.53% | 44.29% | 43.75% | 44.47% | +267 bps | |
| Net Worth / Assets | 42.98% | 43.58% | 43.12% | 41.79% | 43.53% | 44.29% | 43.75% | 44.47% | +267 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.78% | 79.71% | 78.37% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |