Laurel, MD · Charter 16268
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60 to 61). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
28
Asset Quality
20
Profitability
41
Liquidity
98
Efficiency
30
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Laurel, MD · Charter 16268
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 | 0.29% | 0.43% | 0.35% | 0.36% | 0.31% | 0.24% | -0.18% | -0.16% | -52 bps | |
| Return on Equity | 2.77% | 4.04% | 3.27% | 3.36% | 2.84% | 2.26% | -1.75% | -1.54% | -491 bps | |
| Net Interest Margin | 5.30% | 5.26% | 4.91% | 4.88% | 4.98% | 5.07% | 5.30% | 5.11% | +23 bps | |
| Efficiency Ratio | 80.17% | 78.74% | 87.53% | 87.04% | 88.58% | 87.24% | 89.47% | 92.80% | +576 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.32% | -0.33% | -0.64% | 1.00% | 1.18% | 1.30% | 1.80% | 2.42% | +143 bps | |
| Loan Growth (YoY) | -5.86% | -7.21% | -5.43% | -5.92% | -6.91% | -3.87% | -1.77% | 4.10% | +1,002 bps | |
| Share Growth (YoY) | -2.96% | -0.96% | -1.81% | -0.19% | 0.49% | 0.69% | 1.73% | 2.30% | +249 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.41% | 1.44% | 1.32% | 1.33% | 2.24% | 1.70% | 2.16% | 1.95% | +62 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 | 10.52% | 10.57% | 10.64% | 10.70% | 10.83% | 10.42% | 10.24% | 10.13% | -57 bps | |
| Net Worth / Assets | 10.52% | 10.57% | 10.64% | 10.70% | 10.83% | 10.42% | 10.24% | 10.13% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.96% | 62.36% | 60.96% | 60.35% | 59.25% | 59.54% | 58.86% | 61.41% | +106 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Laurel, MD · Charter 16268 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.16%
Rank 52 of 61
Net Interest Margin
5.11%
Rank 5 of 61
Efficiency Ratio
92.78%
Rank 43 of 60
Equity / Assets
10.13%
Rank 44 of 61
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.16% | -0.02% | 0.37% | 0.88% | Beats 15% | 52 / 61 | ||
| Return on Equity | -1.56% | -0.25% | 2.65% | 5.53% | Beats 15% | 52 / 61 | ||
| Net Interest Margin | 5.11% | 3.07% | 3.57% | 4.09% | Beats 92% | 5 / 61 | ||
| Efficiency Ratio | 92.78% | 71.78% | 87.58% | 95.00% | Beats 30% | 43 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.95% | 0.44% | 1.06% | 1.85% | Beats 20% | 49 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.13% | 9.78% | 12.37% | 17.30% | Beats 28% | 44 / 61 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.13% | 9.78% | 12.37% | 17.30% | Beats 28% | 44 / 61 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.41% | 37.27% | 62.33% | 76.91% | 48th pctl | 32 / 61 | ||
| Loans / Assets | 55.35% | 30.13% | 54.75% | 64.37% | 51st pctl | 30 / 61 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||