Baltimore, MD · Charter 14815
NCUA · 4 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
85
Asset Quality
1
Profitability
2
Liquidity
0
Efficiency
0
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.
Baltimore, MD · Charter 14815
NCUA · 4 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.45% | -0.38% | -3.23% | -0.66% | 0.80% | 1.02% | -0.40% | -1.36% | -71 bps | |
| Return on Equity | -2.36% | -2.00% | -17.32% | -3.37% | 3.95% | 5.26% | -2.01% | -7.01% | -365 bps | |
| Net Interest Margin | 1.81% | 1.80% | -1.05% | 1.60% | 2.93% | 3.43% | 2.23% | 0.92% | -68 bps | |
| Efficiency Ratio | 121.76% | 117.70% | n/a | 139.86% | 73.05% | 70.54% | 117.53% | 243% | +10,276 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.59% | -2.66% | -4.91% | -4.51% | -1.87% | -0.96% | 3.03% | 3.74% | +824 bps | |
| Loan Growth (YoY) | -18.87% | -27.09% | -28.20% | -22.58% | -25.75% | -24.08% | -29.14% | -38.08% | -1,550 bps | |
| Share Growth (YoY) | -2.21% | -2.83% | -4.82% | -4.96% | -3.04% | -2.49% | 1.55% | 3.77% | +874 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.85% | 7.41% | 7.16% | 9.23% | 9.20% | 13.68% | 13.65% | 7.99% | -123 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 | 3.24% | 3.22% | 3.42% | 3.60% | 4.03% | 4.51% | 5.60% | -1.81% | -541 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.28% | 19.22% | 18.67% | 19.46% | 20.24% | 19.41% | 19.83% | 19.43% | -3 bps | |
| Net Worth / Assets | 19.28% | 19.22% | 18.67% | 19.46% | 20.24% | 19.41% | 19.83% | 19.43% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.61% | 16.03% | 14.51% | 14.63% | 13.48% | 12.48% | 10.13% | 8.73% | -590 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Baltimore, MD · Charter 14815 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
-1.35%
Rank 1,630 of 1,683
Net Interest Margin
0.90%
Rank 1,682 of 1,683
Efficiency Ratio
248%
Rank 1,676 of 1,682
Equity / Assets
19.43%
Rank 247 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.35% | 0.35% | 0.74% | 1.18% | Beats 3% | 1,630 / 1,683 | n/a | |
| Return on Equity | -6.97% | 2.67% | 5.89% | 8.74% | Beats 4% | 1,606 / 1,681 | n/a | |
| Net Interest Margin | 0.90% | 3.31% | 3.82% | 4.32% | Beats 0% | 1,682 / 1,683 | n/a | |
| Efficiency Ratio | 248% | 68.91% | 78.20% | 86.93% | Beats 0% | 1,676 / 1,682 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 7.90% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,665 / 1,682 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.43% | 10.44% | 12.89% | 16.53% | Beats 85% | 247 / 1,683 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.43% | 10.44% | 12.89% | 16.53% | Beats 85% | 247 / 1,683 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 8.73% | 52.61% | 69.38% | 83.50% | 0th pctl | 1,676 / 1,683 | n/a | |
| Loans / Assets | 7.03% | 44.71% | 59.18% | 70.72% | 0th pctl | 1,675 / 1,683 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||