Humble, TX · Charter 97112
NCUA · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.06% | -0.18% | 0.14% | 0.21% | 0.27% | 0.16% | 0.26% | +12 bps | |
| Return on Equity | 0.85% | 0.52% | -1.59% | 1.21% | 1.81% | 2.36% | 1.44% | 2.25% | +103 bps | |
| Net Interest Margin | 2.54% | 2.56% | 2.64% | 2.80% | 2.88% | 2.91% | 2.96% | 2.98% | +17 bps | |
| Efficiency Ratio | 87.55% | 88.45% | 93.79% | 86.97% | 84.35% | 82.62% | 82.58% | 81.26% | -571 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.18% | -0.43% | 0.79% | 2.45% | 1.54% | 1.67% | 0.56% | 2.26% | -19 bps | |
| Loan Growth (YoY) | -4.18% | -0.76% | 3.46% | -0.19% | 0.13% | -0.10% | -1.32% | 1.98% | +217 bps | |
| Share Growth (YoY) | -3.23% | -0.76% | -0.42% | 0.99% | 1.16% | -0.20% | -0.82% | 1.52% | +53 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.95% | 0.84% | 0.96% | 0.78% | 0.68% | 0.64% | 0.47% | -48 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 | 11.47% | 11.45% | 11.02% | 11.31% | 11.44% | 11.53% | 11.31% | 11.39% | +8 bps | |
| Net Worth / Assets | 11.47% | 11.45% | 11.02% | 11.31% | 11.44% | 11.53% | 11.31% | 11.39% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.20% | 57.69% | 56.36% | 57.51% | 57.61% | 57.75% | 56.07% | 57.77% | +26 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |