Elkton, MD · Charter 12185
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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50 to 51). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
71
Asset Quality
80
Profitability
38
Liquidity
91
Efficiency
78
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.
Elkton, MD · Charter 12185
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 | 1.31% | 1.15% | 0.74% | 0.99% | 0.11% | -120 bps | |
| Return on Equity | 7.81% | 6.52% | 4.08% | 5.61% | 0.59% | -722 bps | |
| Net Interest Margin | 3.69% | 3.82% | 3.60% | 3.26% | 3.51% | -18 bps | |
| Efficiency Ratio | 65.50% | 65.93% | 71.29% | 73.37% | 69.32% | +382 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.78% | -1.81% | -4.15% | -4.69% | -3.81% | -560 bps | |
| Loan Growth (YoY) | -0.43% | -1.51% | 6.50% | 2.84% | -4.18% | -374 bps | |
| Share Growth (YoY) | 0.53% | -3.68% | -6.32% | -6.26% | -5.31% | -584 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.43% | 0.83% | 0.89% | 0.30% | 0.16% | -126 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 | 16.80% | 17.68% | 18.01% | 17.65% | 18.18% | +138 bps | |
| Net Worth / Assets | 16.80% | 17.68% | 18.01% | 17.65% | 18.18% | +138 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.76% | 49.01% | 51.74% | 47.50% | 47.31% | +56 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Elkton, MD · Charter 12185 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)
NCUA · 1 branch
Q2 2026
Return on Assets
0.11%
Rank 35 of 51
Net Interest Margin
3.51%
Rank 25 of 51
Efficiency Ratio
69.36%
Rank 12 of 50
Equity / Assets
18.18%
Rank 15 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | -0.05% | 0.48% | 0.90% | Beats 31% | 35 / 51 | |
| Return on Equity | 0.60% | -0.58% | 4.00% | 6.90% | Beats 31% | 35 / 51 | |
| Net Interest Margin | 3.51% | 2.96% | 3.44% | 3.98% | Beats 51% | 25 / 51 | |
| Efficiency Ratio | 69.36% | 73.91% | 81.87% | 94.16% | Beats 78% | 12 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.16% | 0.19% | 0.96% | 1.83% | Beats 80% | 11 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.18% | 10.44% | 12.55% | 18.48% | Beats 71% | 15 / 51 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.18% | 10.44% | 12.55% | 18.48% | Beats 71% | 15 / 51 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.31% | 28.84% | 50.95% | 65.41% | 45th pctl | 28 / 51 | |
| Loans / Assets | 39.58% | 20.51% | 39.58% | 57.94% | 49th pctl | 26 / 51 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||