Towson, MD · Charter 15394
NCUA · 3 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 | 0.61% | 0.31% | 0.24% | 0.29% | 0.37% | 0.41% | 0.56% | 0.64% | +35 bps | |
| Return on Equity | 7.05% | 3.62% | 2.86% | 3.45% | 4.42% | 4.79% | 6.66% | 7.43% | +397 bps | |
| Net Interest Margin | 2.16% | 2.20% | 2.40% | 2.48% | 2.54% | 2.55% | 2.69% | 2.77% | +29 bps | |
| Efficiency Ratio | 76.73% | 85.46% | 85.37% | 84.80% | 83.52% | 82.60% | 78.53% | 77.74% | -706 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.31% | 1.15% | 3.45% | 2.11% | 3.16% | 3.82% | 2.92% | 3.30% | +118 bps | |
| Loan Growth (YoY) | 4.39% | 3.15% | 2.41% | 2.53% | 1.47% | 1.11% | 1.56% | 0.95% | -158 bps | |
| Share Growth (YoY) | 0.14% | 2.20% | 3.83% | 2.64% | 2.27% | 2.63% | 1.88% | 2.39% | -25 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.24% | 0.14% | 0.18% | 0.24% | 0.26% | 0.19% | 0.18% | 0 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 | 8.65% | 8.43% | 8.25% | 8.36% | 8.49% | 8.50% | 8.46% | 8.64% | +28 bps | |
| Net Worth / Assets | 8.65% | 8.43% | 8.25% | 8.36% | 8.49% | 8.50% | 8.46% | 8.64% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.18% | 69.86% | 67.75% | 68.76% | 69.63% | 68.82% | 67.54% | 67.80% | -97 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |