PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

O.A.S. Staff

Washington, DC · Charter 15000

NCUA · 1 branch

Q2 2026

$282.4MAssets
$165.1MLoans
$264.9MShares
$21.6MNet 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 0.12%, up 24 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 2.58% of loans (+108 bps YoY).
  • Capital: net worth / assets of 7.63%, up 17 bps from a year ago.
  • Funding: loans stand at 62.33% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.12%+24 bps YoY

Net Interest Margin (quarter, annualized)

3.13%+36 bps YoY

Efficiency Ratio (quarter, annualized)

95.00%-756 bps YoY

Net Worth / Assets

7.63%+17 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.12%-0.02%0.05%0.07%0.12%+24 bps
Return on Equity-1.58%-0.30%0.60%0.91%1.59%+317 bps
Net Interest Margin2.76%2.91%2.91%3.05%3.13%+36 bps
Efficiency Ratio102.56%98.94%97.45%95.44%95.00%-756 bps
Growth
Asset Growth (YoY)2.22%0.41%2.12%0.81%-0.04%-226 bps
Loan Growth (YoY)-0.56%2.00%2.92%4.35%2.55%+311 bps
Share Growth (YoY)2.05%0.52%1.06%0.18%-0.45%-249 bps
Asset Quality
Delinquent Loans / Loans1.50%1.19%2.54%2.07%2.58%+108 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 Capital7.47%7.58%7.51%7.40%7.63%+17 bps
Net Worth / Assets7.47%7.58%7.51%7.40%7.63%+17 bps
Liquidity & Funding
Loans / Shares60.51%62.48%61.92%60.60%62.33%+182 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps