Lanham, MD · Charter 10323
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60 to 61). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
5
Asset Quality
60
Profitability
76
Liquidity
73
Efficiency
37
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lanham, MD · Charter 10323
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 | 0.19% | 0.36% | 0.54% | 0.36% | 0.31% | 0.45% | 0.40% | 0.52% | +16 bps | |
| Return on Equity | 2.69% | 4.94% | 7.47% | 4.92% | 4.18% | 5.96% | 5.44% | 6.84% | +193 bps | |
| Net Interest Margin | 4.33% | 4.38% | 4.49% | 4.49% | 4.53% | 4.52% | 4.29% | 4.42% | -7 bps | |
| Efficiency Ratio | 87.35% | 85.73% | 75.68% | 81.45% | 82.44% | 81.00% | 91.04% | 89.97% | +852 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.06% | -3.77% | -1.40% | -0.28% | 2.89% | 2.93% | 4.67% | 2.95% | +323 bps | |
| Loan Growth (YoY) | 0.87% | 6.54% | 18.67% | 29.16% | 32.04% | 31.83% | 22.94% | 20.03% | -913 bps | |
| Share Growth (YoY) | -6.12% | -3.37% | -2.20% | -0.82% | 2.01% | 0.69% | 4.02% | 2.06% | +288 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.23% | 1.00% | 0.85% | 0.73% | 0.76% | 1.41% | 1.24% | 0.75% | +2 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 | 7.09% | 7.25% | 7.27% | 7.27% | 7.33% | 7.49% | 7.34% | 7.58% | +31 bps | |
| Net Worth / Assets | 7.09% | 7.25% | 7.27% | 7.27% | 7.33% | 7.49% | 7.34% | 7.58% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.18% | 51.59% | 56.14% | 59.29% | 64.95% | 67.55% | 66.35% | 69.73% | +1,044 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lanham, MD · Charter 10323 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)
NCUA · 1 branch
Q2 2026
Return on Assets
0.52%
Rank 22 of 61
Net Interest Margin
4.42%
Rank 10 of 61
Efficiency Ratio
89.92%
Rank 39 of 60
Equity / Assets
7.58%
Rank 58 of 61
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.52% | -0.02% | 0.37% | 0.88% | Beats 64% | 22 / 61 | ||
| Return on Equity | 6.88% | -0.25% | 2.65% | 5.53% | Beats 79% | 13 / 61 | ||
| Net Interest Margin | 4.42% | 3.07% | 3.57% | 4.09% | Beats 84% | 10 / 61 | ||
| Efficiency Ratio | 89.92% | 71.78% | 87.58% | 95.00% | Beats 37% | 39 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.44% | 1.06% | 1.85% | Beats 60% | 25 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.58% | 9.78% | 12.37% | 17.30% | Beats 5% | 58 / 61 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.58% | 9.78% | 12.37% | 17.30% | Beats 5% | 58 / 61 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.73% | 37.27% | 62.33% | 76.91% | 64th pctl | 22 / 61 | ||
| Loans / Assets | 63.08% | 30.13% | 54.75% | 64.37% | 70th pctl | 18 / 61 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||