PackageTrendsPeer
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Fedchoice

Lanham, MD · Charter 150

NCUA · 5 branches

Q2 2026

$468.7MAssets
$321.5MLoans
$423.2MShares
$44.1MNet 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 0.49%, up 48 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.65% of loans (-63 bps YoY).
  • Capital: net worth / assets of 9.42%, up 11 bps from a year ago.
  • Funding: loans stand at 75.98% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.49%+48 bps YoY

Net Interest Margin (quarter, annualized)

3.77%-10 bps YoY

Efficiency Ratio (quarter, annualized)

83.83%+524 bps YoY

Net Worth / Assets

9.42%+11 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.02%0.26%0.31%0.49%0.49%+48 bps
Return on Equity0.19%2.71%3.55%5.60%5.26%+506 bps
Net Interest Margin3.88%3.93%3.60%3.46%3.77%-10 bps
Efficiency Ratio78.59%79.75%79.55%83.84%83.83%+524 bps
Growth
Asset Growth (YoY)3.80%1.69%12.74%11.34%4.79%+99 bps
Loan Growth (YoY)-1.67%4.91%28.19%24.61%17.71%+1,939 bps
Share Growth (YoY)3.36%2.33%5.77%5.51%4.55%+118 bps
Asset Quality
Delinquent Loans / Loans1.28%1.23%1.26%1.23%0.65%-63 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 Capital9.31%9.50%8.78%8.69%9.42%+11 bps
Net Worth / Assets9.31%9.50%8.78%8.69%9.42%+11 bps
Liquidity & Funding
Loans / Shares67.48%71.89%84.59%80.11%75.98%+850 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps