PackageTrendsPeer
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Democracy

Alexandria, VA · Charter 1407

NCUA · 5 branches

Q2 2026

$188.2MAssets
$118.6MLoans
$172.3MShares
$12.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.59%, down 65 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 1.11% of loans (+9 bps YoY).
  • Capital: net worth / assets of 6.59%, down 119 bps from a year ago.
  • Funding: loans stand at 68.80% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.59%-65 bps YoY

Net Interest Margin (quarter, annualized)

3.19%-41 bps YoY

Efficiency Ratio (quarter, annualized)

98.21%+2,595 bps YoY

Net Worth / Assets

6.59%-119 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.06%0.01%-0.39%-0.57%-0.59%-65 bps
Return on Equity0.76%0.10%-5.72%-8.47%-8.91%-968 bps
Net Interest Margin3.59%3.39%3.32%3.11%3.19%-41 bps
Efficiency Ratio72.26%75.27%81.33%93.42%98.21%+2,595 bps
Growth
Asset Growth (YoY)-3.51%4.06%4.73%3.80%4.12%+764 bps
Loan Growth (YoY)-8.39%-8.64%-11.02%-9.98%-10.55%-215 bps
Share Growth (YoY)0.86%11.39%11.81%7.28%7.08%+622 bps
Asset Quality
Delinquent Loans / Loans1.02%0.40%1.12%0.80%1.11%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.78%7.43%6.83%6.68%6.59%-119 bps
Net Worth / Assets7.78%7.43%6.83%6.68%6.59%-119 bps
Liquidity & Funding
Loans / Shares82.36%74.94%72.14%69.69%68.80%-1,356 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps