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 | |