PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

I B E W 26

Lanham, MD · Charter 10323

NCUA · 1 branch

Q2 2026

$29.9MAssets
$18.8MLoans
$27.0MShares
$2.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.52%, up 16 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 0.75% of loans (+2 bps YoY).
  • Capital: net worth / assets of 7.58%, up 31 bps from a year ago.
  • Funding: loans stand at 69.73% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.52%+16 bps YoY

Net Interest Margin (YTD, annualized)

4.42%-7 bps YoY

Efficiency Ratio (YTD, annualized)

89.97%+852 bps YoY

Net Worth / Assets

7.58%+31 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%0.36%0.54%0.36%0.31%0.45%0.40%0.52%+16 bps
Return on Equity2.69%4.94%7.47%4.92%4.18%5.96%5.44%6.84%+193 bps
Net Interest Margin4.33%4.38%4.49%4.49%4.53%4.52%4.29%4.42%-7 bps
Efficiency Ratio87.35%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 / Loans1.23%1.00%0.85%0.73%0.76%1.41%1.24%0.75%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.09%7.25%7.27%7.27%7.33%7.49%7.34%7.58%+31 bps
Net Worth / Assets7.09%7.25%7.27%7.27%7.33%7.49%7.34%7.58%+31 bps
Liquidity & Funding
Loans / Shares50.18%51.59%56.14%59.29%64.95%67.55%66.35%69.73%+1,044 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps