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

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.

Return on Assets (YTD, annualized)

0.12%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+36 bps YoY

Efficiency Ratio (YTD, annualized)

95.00%-756 bps YoY

Net Worth / Assets

7.63%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.33%-0.37%-0.26%-0.12%-0.02%0.05%0.07%0.12%+24 bps
Return on Equity-4.32%-4.88%-3.54%-1.58%-0.30%0.60%0.91%1.59%+317 bps
Net Interest Margin2.45%2.51%2.62%2.76%2.91%2.91%3.05%3.13%+36 bps
Efficiency Ratio110.82%110.86%108.52%102.56%98.94%97.45%95.44%95.00%-756 bps
Growth
Asset Growth (YoY)1.79%1.42%2.50%2.22%0.41%2.12%0.81%-0.04%-226 bps
Loan Growth (YoY)-3.03%-2.65%-3.27%-0.56%2.00%2.92%4.35%2.55%+311 bps
Share Growth (YoY)1.72%1.90%2.29%2.05%0.52%1.06%0.18%-0.45%-249 bps
Asset Quality
Delinquent Loans / Loans2.49%2.77%2.38%1.50%1.19%2.54%2.07%2.58%+108 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.75%7.63%7.34%7.47%7.58%7.51%7.40%7.63%+17 bps
Net Worth / Assets7.75%7.63%7.34%7.47%7.58%7.51%7.40%7.63%+17 bps
Liquidity & Funding
Loans / Shares61.57%60.80%58.18%60.51%62.48%61.92%60.60%62.33%+182 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps