Elkton, MD · Charter 12185
NCUA · 1 branch
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 | 0.55% | 0.56% | 1.16% | 1.31% | 1.15% | 0.74% | 0.99% | 0.11% | -120 bps | |
| Return on Equity | 3.36% | 3.37% | 7.17% | 7.81% | 6.52% | 4.08% | 5.61% | 0.59% | -722 bps | |
| Net Interest Margin | 2.99% | 2.89% | 3.35% | 3.69% | 3.82% | 3.60% | 3.26% | 3.51% | -18 bps | |
| Efficiency Ratio | 83.77% | 80.60% | 67.50% | 65.50% | 65.93% | 71.29% | 73.37% | 69.32% | +382 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.42% | 7.53% | 2.89% | 1.78% | -1.81% | -4.15% | -4.69% | -3.81% | -560 bps | |
| Loan Growth (YoY) | 4.12% | -2.85% | -4.83% | -0.43% | -1.51% | 6.50% | 2.84% | -4.18% | -374 bps | |
| Share Growth (YoY) | 1.71% | 7.83% | 1.99% | 0.53% | -3.68% | -6.32% | -6.26% | -5.31% | -584 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.11% | 1.01% | 0.63% | 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 | 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 | 16.49% | 16.49% | 16.13% | 16.80% | 17.68% | 18.01% | 17.65% | 18.18% | +138 bps | |
| Net Worth / Assets | 16.49% | 16.49% | 16.13% | 16.80% | 17.68% | 18.01% | 17.65% | 18.18% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.93% | 45.51% | 43.30% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |