Seaford, DE · Charter 13121
NCUA · 7 branches
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 | 0.18% | 0.23% | 0.19% | 0.32% | 0.39% | 0.52% | 0.32% | 0.51% | +19 bps | |
| Return on Equity | 1.34% | 1.70% | 1.41% | 2.26% | 2.75% | 3.64% | 2.30% | 3.53% | +127 bps | |
| Net Interest Margin | 1.80% | 1.87% | 2.17% | 2.28% | 2.34% | 2.38% | 2.52% | 2.62% | +34 bps | |
| Efficiency Ratio | 92.36% | 89.66% | 90.84% | 85.64% | 83.56% | 80.26% | 82.81% | 77.69% | -796 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.96% | -0.63% | -1.49% | -1.42% | -1.66% | -0.65% | 1.59% | 1.54% | +296 bps | |
| Loan Growth (YoY) | 17.79% | 15.87% | 10.52% | 8.15% | 5.01% | 8.26% | 11.09% | 11.07% | +292 bps | |
| Share Growth (YoY) | 3.02% | -2.91% | -3.14% | -3.02% | -3.28% | -1.88% | -0.12% | 0.40% | +342 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.33% | 0.27% | 0.28% | 0.41% | 0.54% | 0.45% | 0.33% | +4 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 | 13.59% | 13.67% | 13.81% | 13.98% | 14.21% | 14.29% | 14.13% | 14.37% | +40 bps | |
| Net Worth / Assets | 13.59% | 13.67% | 13.81% | 13.98% | 14.21% | 14.29% | 14.13% | 14.37% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.75% | 55.21% | 55.13% | 56.48% | 58.36% | 60.92% | 61.32% | 62.48% | +600 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |