Baltimore, MD · Charter 14815
NCUA · 4 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 | -0.66% | 0.80% | 1.02% | -0.40% | -1.36% | -71 bps | |
| Return on Equity | -3.37% | 3.95% | 5.26% | -2.01% | -7.01% | -365 bps | |
| Net Interest Margin | 1.60% | 2.93% | 3.43% | 2.23% | 0.92% | -68 bps | |
| Efficiency Ratio | 139.86% | 73.05% | 70.54% | 117.53% | 243% | +10,276 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.51% | -1.87% | -0.96% | 3.03% | 3.74% | +824 bps | |
| Loan Growth (YoY) | -22.58% | -25.75% | -24.08% | -29.14% | -38.08% | -1,550 bps | |
| Share Growth (YoY) | -4.96% | -3.04% | -2.49% | 1.55% | 3.77% | +874 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 3.60% | 4.03% | 4.51% | 5.60% | -1.81% | -541 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.46% | 20.24% | 19.41% | 19.83% | 19.43% | -3 bps | |
| Net Worth / Assets | 19.46% | 20.24% | 19.41% | 19.83% | 19.43% | -3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |