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 | |