Baltimore, MD · Charter 14815
NCUA · 4 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 | -0.45% | -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 | |