Linthicum, MD · Charter 12440
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 | 1.49% | 1.55% | 1.43% | 1.04% | 0.74% | -75 bps | |
| Return on Equity | 14.77% | 13.98% | 13.12% | 9.81% | 7.22% | -755 bps | |
| Net Interest Margin | 3.84% | 3.92% | 3.64% | 3.10% | 2.95% | -89 bps | |
| Efficiency Ratio | 75.57% | 75.89% | 76.45% | 80.21% | 84.90% | +933 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.75% | -13.47% | -9.53% | -9.51% | 8.58% | +1,133 bps | |
| Loan Growth (YoY) | -10.76% | -15.85% | -18.41% | -13.74% | -5.31% | +545 bps | |
| Share Growth (YoY) | -9.52% | -16.39% | -11.61% | -11.34% | 16.68% | +2,620 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.26% | 1.37% | 0.92% | 0.98% | 0.97% | -29 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.09% | 11.12% | 10.87% | 10.59% | 10.28% | +19 bps | |
| Net Worth / Assets | 10.09% | 11.12% | 10.87% | 10.59% | 10.28% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.52% | 45.73% | 41.77% | 39.66% | 38.57% | -895 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 97.71% | 0.00% | 0.00% | 0 bps | |