Dover, DE · Charter 12443
NCUA · 9 branches
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 | 0.23% | 0.19% | 0.13% | 0.20% | 0.40% | 0.21% | 0.29% | 0.34% | +14 bps | |
| Return on Equity | 2.97% | 2.34% | 1.63% | 2.58% | 5.08% | 2.73% | 3.81% | 4.42% | +184 bps | |
| Net Interest Margin | 3.49% | 3.62% | 3.75% | 3.85% | 3.91% | 3.90% | 3.70% | 3.78% | -7 bps | |
| Efficiency Ratio | 85.21% | 86.19% | 84.07% | 83.35% | 80.47% | 80.36% | 81.84% | 82.92% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.88% | -2.91% | -0.28% | 0.42% | 2.27% | 4.93% | 4.72% | 3.79% | +337 bps | |
| Loan Growth (YoY) | -0.03% | -0.33% | 0.46% | -0.08% | 0.85% | 2.85% | 1.22% | 1.28% | +136 bps | |
| Share Growth (YoY) | 3.75% | 1.55% | 2.05% | 2.52% | 4.38% | 4.79% | 4.77% | 3.70% | +118 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 1.41% | 1.64% | 1.86% | 2.20% | 1.71% | 0.84% | 0.91% | -95 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 | 7.83% | 7.93% | 7.69% | 7.72% | 7.87% | 7.68% | 7.50% | 7.63% | -9 bps | |
| Net Worth / Assets | 7.83% | 7.93% | 7.69% | 7.72% | 7.87% | 7.68% | 7.50% | 7.63% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.76% | 86.06% | 83.26% | 83.00% | 83.83% | 84.46% | 80.44% | 81.06% | -194 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |