Cumberland, MD · Charter 13345
NCUA · 20 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 | 0.91% | 1.04% | 0.81% | 0.93% | 1.06% | 1.32% | 1.15% | 1.14% | +21 bps | |
| Return on Equity | 7.08% | 8.11% | 6.41% | 7.27% | 8.04% | 9.68% | 8.58% | 8.35% | +109 bps | |
| Net Interest Margin | 2.94% | 2.93% | 2.97% | 3.09% | 3.17% | 3.18% | 3.18% | 3.21% | +11 bps | |
| Efficiency Ratio | 77.94% | 74.61% | 77.57% | 74.30% | 72.94% | 68.80% | 72.38% | 72.33% | -197 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.48% | 4.71% | 5.26% | 6.47% | 6.38% | 5.03% | 4.17% | 4.93% | -154 bps | |
| Loan Growth (YoY) | 4.96% | 1.54% | 0.43% | -0.31% | 0.74% | 3.17% | 4.34% | 6.59% | +689 bps | |
| Share Growth (YoY) | 1.88% | 3.91% | 4.47% | 5.56% | 5.12% | 3.47% | 2.59% | 3.57% | -199 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.18% | 0.48% | 0.25% | 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 | 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 | 12.78% | 12.89% | 12.59% | 12.83% | 13.23% | 13.64% | 13.46% | 13.61% | +78 bps | |
| Net Worth / Assets | 12.78% | 12.89% | 12.59% | 12.83% | 13.23% | 13.64% | 13.46% | 13.61% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.89% | 87.32% | 83.13% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |