Frederick, MD · Charter 10381
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 | 2.04% | 2.13% | 1.84% | 2.15% | 1.93% | -11 bps | |
| Return on Equity | 11.54% | 10.90% | 9.54% | 11.21% | 9.91% | -163 bps | |
| Net Interest Margin | 4.13% | 4.47% | 4.26% | 3.87% | 3.85% | -28 bps | |
| Efficiency Ratio | 53.39% | 54.70% | 58.68% | 49.76% | 52.86% | -53 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.13% | -1.14% | -0.16% | -0.57% | -0.59% | +54 bps | |
| Loan Growth (YoY) | -2.88% | -7.72% | -10.58% | -7.86% | -9.72% | -684 bps | |
| Share Growth (YoY) | -3.29% | -3.57% | -2.38% | -2.82% | -2.83% | +46 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.44% | 0.58% | 0.92% | 0.58% | +13 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.64% | 19.56% | 19.31% | 19.16% | 19.44% | +181 bps | |
| Net Worth / Assets | 17.64% | 19.56% | 19.31% | 19.16% | 19.44% | +181 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.74% | 51.90% | 47.17% | 44.00% | 45.28% | -346 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |