Lanham, MD · Charter 150
NCUA · 5 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
14
Asset Quality
50
Profitability
41
Liquidity
71
Efficiency
33
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.
Lanham, MD · Charter 150
NCUA · 5 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 | 0.39% | 0.39% | 0.40% | 0.02% | 0.26% | 0.31% | 0.49% | 0.49% | +48 bps | |
| Return on Equity | 4.14% | 4.05% | 4.30% | 0.19% | 2.71% | 3.55% | 5.60% | 5.26% | +506 bps | |
| Net Interest Margin | 3.84% | 3.84% | 3.77% | 3.88% | 3.93% | 3.60% | 3.46% | 3.77% | -10 bps | |
| Efficiency Ratio | 76.29% | 78.14% | 78.41% | 78.59% | 79.75% | 79.55% | 83.84% | 83.83% | +524 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.35% | 1.00% | 3.27% | 3.80% | 1.69% | 12.74% | 11.34% | 4.79% | +99 bps | |
| Loan Growth (YoY) | 1.18% | -5.02% | -3.16% | -1.67% | 4.91% | 28.19% | 24.61% | 17.71% | +1,939 bps | |
| Share Growth (YoY) | 0.09% | 0.56% | 1.91% | 3.36% | 2.33% | 5.77% | 5.51% | 4.55% | +118 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.89% | 1.82% | 1.51% | 1.28% | 1.23% | 1.26% | 1.23% | 0.65% | -63 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 | 9.41% | 9.58% | 9.34% | 9.31% | 9.50% | 8.78% | 8.69% | 9.42% | +11 bps | |
| Net Worth / Assets | 9.41% | 9.58% | 9.34% | 9.31% | 9.50% | 8.78% | 8.69% | 9.42% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.13% | 69.79% | 67.83% | 67.48% | 71.89% | 84.59% | 80.11% | 75.98% | +850 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lanham, MD · Charter 150 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.50%
Rank 1,144 of 1,683
Net Interest Margin
3.77%
Rank 887 of 1,683
Efficiency Ratio
83.83%
Rank 1,129 of 1,682
Equity / Assets
9.42%
Rank 1,446 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.50% | 0.35% | 0.74% | 1.18% | Beats 32% | 1,144 / 1,683 | ||
| Return on Equity | 5.26% | 2.67% | 5.89% | 8.74% | Beats 45% | 931 / 1,681 | ||
| Net Interest Margin | 3.77% | 3.31% | 3.82% | 4.32% | Beats 47% | 887 / 1,683 | ||
| Efficiency Ratio | 83.83% | 68.91% | 78.20% | 86.93% | Beats 33% | 1,129 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.66% | 0.26% | 0.65% | 1.29% | Beats 50% | 844 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.42% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,446 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.42% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,446 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.98% | 52.61% | 69.38% | 83.50% | 62nd pctl | 643 / 1,683 | ||
| Loans / Assets | 68.61% | 44.71% | 59.18% | 70.72% | 71st pctl | 491 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||