Linthicum, MD · Charter 12440
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
100
Profitability
43
Liquidity
0
Efficiency
31
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.
Linthicum, MD · Charter 12440
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 | 1.66% | 1.62% | 1.21% | 1.49% | 1.55% | 1.43% | 1.04% | 0.74% | -75 bps | |
| Return on Equity | 20.22% | 19.00% | 14.37% | 14.77% | 13.98% | 13.12% | 9.81% | 7.22% | -755 bps | |
| Net Interest Margin | 3.58% | 3.55% | 3.35% | 3.84% | 3.92% | 3.64% | 3.10% | 2.95% | -89 bps | |
| Efficiency Ratio | 70.23% | 70.78% | 76.55% | 75.57% | 75.89% | 76.45% | 80.21% | 84.90% | +933 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.08% | 14.66% | 13.74% | -2.75% | -13.47% | -9.53% | -9.51% | 8.58% | +1,133 bps | |
| Loan Growth (YoY) | 8.65% | 11.08% | 3.13% | -10.76% | -15.85% | -18.41% | -13.74% | -5.31% | +545 bps | |
| Share Growth (YoY) | 20.66% | 13.49% | 12.65% | -9.52% | -16.39% | -11.61% | -11.34% | 16.68% | +2,620 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.52% | 0.54% | 0.05% | 0.05% | 0.00% | -52 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 | 0.90% | 0.99% | 1.12% | 1.26% | 1.37% | 0.92% | 0.98% | 0.97% | -29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.22% | 8.54% | 8.43% | 10.09% | 11.12% | 10.87% | 10.59% | 10.28% | +19 bps | |
| Net Worth / Assets | 8.22% | 8.54% | 8.43% | 10.09% | 11.12% | 10.87% | 10.59% | 10.28% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.43% | 45.25% | 40.77% | 47.52% | 45.73% | 41.77% | 39.66% | 38.57% | -895 bps | |
| Liquid Assets / Assets | 0.00% | 96.41% | 0.00% | 0.00% | 0.00% | 97.71% | 0.00% | 0.00% | 0 bps | |
Linthicum, MD · Charter 12440 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.76%
Rank 822 of 1,683
Net Interest Margin
2.97%
Rank 1,466 of 1,683
Efficiency Ratio
84.26%
Rank 1,156 of 1,682
Equity / Assets
10.27%
Rank 1,291 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.76% | 0.35% | 0.74% | 1.18% | Beats 51% | 822 / 1,683 | n/a | |
| Return on Equity | 7.35% | 2.67% | 5.89% | 8.74% | Beats 64% | 603 / 1,681 | n/a | |
| Net Interest Margin | 2.97% | 3.31% | 3.82% | 4.32% | Beats 13% | 1,466 / 1,683 | n/a | |
| Efficiency Ratio | 84.26% | 68.91% | 78.20% | 86.93% | Beats 31% | 1,156 / 1,682 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.27% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,291 / 1,683 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.27% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,291 / 1,683 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 38.58% | 52.61% | 69.38% | 83.50% | 10th pctl | 1,516 / 1,683 | n/a | |
| Loans / Assets | 34.41% | 44.71% | 59.18% | 70.72% | 12th pctl | 1,480 / 1,683 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||