Cumberland, MD · Charter 13345
NCUA · 20 branches
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
57
Asset Quality
58
Profitability
55
Liquidity
26
Efficiency
67
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.
Cumberland, MD · Charter 13345
NCUA · 20 branches
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 | 0.93% | 1.06% | 1.32% | 1.15% | 1.14% | +21 bps | |
| Return on Equity | 7.27% | 8.04% | 9.68% | 8.58% | 8.35% | +109 bps | |
| Net Interest Margin | 3.09% | 3.17% | 3.18% | 3.18% | 3.21% | +11 bps | |
| Efficiency Ratio | 74.30% | 72.94% | 68.80% | 72.38% | 72.33% | -197 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.47% | 6.38% | 5.03% | 4.17% | 4.93% | -154 bps | |
| Loan Growth (YoY) | -0.31% | 0.74% | 3.17% | 4.34% | 6.59% | +689 bps | |
| Share Growth (YoY) | 5.56% | 5.12% | 3.47% | 2.59% | 3.57% | -199 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.44% | 0.39% | 0.53% | 0.25% | 0.53% | +8 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.83% | 13.23% | 13.64% | 13.46% | 13.61% | +78 bps | |
| Net Worth / Assets | 12.83% | 13.23% | 13.64% | 13.46% | 13.61% | +78 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.66% | 85.18% | 87.07% | 84.54% | 86.10% | +244 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cumberland, MD · Charter 13345 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 20 branches
Q2 2026
Return on Assets
1.14%
Rank 467 of 1,683
Net Interest Margin
3.21%
Rank 1,329 of 1,683
Efficiency Ratio
72.33%
Rank 554 of 1,682
Equity / Assets
13.61%
Rank 731 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 0.35% | 0.74% | 1.18% | Beats 72% | 467 / 1,683 | |
| Return on Equity | 8.35% | 2.67% | 5.89% | 8.74% | Beats 72% | 465 / 1,681 | |
| Net Interest Margin | 3.21% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,329 / 1,683 | |
| Efficiency Ratio | 72.33% | 68.91% | 78.20% | 86.93% | Beats 67% | 554 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.53% | 0.26% | 0.65% | 1.29% | Beats 58% | 714 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.61% | 10.44% | 12.89% | 16.53% | Beats 57% | 731 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.61% | 10.44% | 12.89% | 16.53% | Beats 57% | 731 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.10% | 52.61% | 69.38% | 83.50% | 80th pctl | 343 / 1,683 | |
| Loans / Assets | 72.38% | 44.71% | 59.18% | 70.72% | 78th pctl | 365 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||