Houston, TX · Charter 9496
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.22% | -11.20% | -8.33% | -1.89% | -1.32% | +389 bps | |
| Return on Equity | -26.57% | -75.74% | -78.86% | -18.94% | -13.50% | +1,307 bps | |
| Net Interest Margin | 2.92% | 3.17% | 2.72% | 2.71% | 5.14% | +222 bps | |
| Efficiency Ratio | 277% | 449% | 402% | 168.77% | 125.42% | -15,123 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.37% | -5.77% | -8.25% | -5.43% | -8.38% | -402 bps | |
| Loan Growth (YoY) | -1.30% | -4.29% | -9.77% | -19.77% | -18.80% | -1,750 bps | |
| Share Growth (YoY) | 8.30% | 7.93% | 3.76% | 8.41% | -3.23% | -1,153 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 23.59% | 25.66% | 5.07% | 3.37% | 26.03% | +244 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.49% | 21.42% | 24.12% | 23.29% | +2,283 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.63% | 14.79% | 10.56% | 9.99% | 9.78% | -984 bps | |
| Net Worth / Assets | 19.63% | 14.79% | 10.56% | 9.99% | 9.78% | -984 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.12% | 33.31% | 31.86% | 27.76% | 29.46% | -565 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |