PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Treasury Department

Washington, DC · Charter 162

NCUA · 6 branches

Q2 2026

$176.7MAssets
$109.2MLoans
$156.1MShares
$18.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.24%, down 14 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 1.86% of loans (+12 bps YoY).
  • Capital: net worth / assets of 10.33%, up 25 bps from a year ago.
  • Funding: loans stand at 69.97% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.24%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+3 bps YoY

Efficiency Ratio (YTD, annualized)

80.73%-255 bps YoY

Net Worth / Assets

10.33%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.91%0.45%0.38%0.34%0.28%0.25%0.24%-14 bps
Return on Equity9.48%8.97%4.50%3.82%3.32%2.70%2.47%2.36%-146 bps
Net Interest Margin3.96%3.93%3.59%3.67%3.72%3.71%3.62%3.69%+3 bps
Efficiency Ratio77.58%77.99%82.05%83.29%84.10%84.63%81.68%80.73%-255 bps
Growth
Asset Growth (YoY)-5.35%-3.94%-0.45%0.43%1.29%1.67%0.01%-0.69%-112 bps
Loan Growth (YoY)3.94%2.00%4.05%0.78%0.44%1.32%0.38%-0.42%-120 bps
Share Growth (YoY)-6.60%-4.89%-0.75%0.31%0.98%1.50%-1.18%-1.78%-209 bps
Asset Quality
Delinquent Loans / Loans1.28%0.97%0.85%1.73%1.70%0.92%0.87%1.86%+12 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 Capital9.92%10.12%9.91%10.08%10.23%10.20%10.11%10.33%+25 bps
Net Worth / Assets9.92%10.12%9.91%10.08%10.23%10.20%10.11%10.33%+25 bps
Liquidity & Funding
Loans / Shares69.82%69.55%68.60%69.01%69.44%69.43%69.68%69.97%+96 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps