Laurel, MD · Charter 16268
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.31% | 0.24% | -0.18% | -0.16% | -52 bps | |
| Return on Equity | 3.36% | 2.84% | 2.26% | -1.75% | -1.54% | -491 bps | |
| Net Interest Margin | 4.88% | 4.98% | 5.07% | 5.30% | 5.11% | +23 bps | |
| Efficiency Ratio | 87.04% | 88.58% | 87.24% | 89.47% | 92.80% | +576 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.00% | 1.18% | 1.30% | 1.80% | 2.42% | +143 bps | |
| Loan Growth (YoY) | -5.92% | -6.91% | -3.87% | -1.77% | 4.10% | +1,002 bps | |
| Share Growth (YoY) | -0.19% | 0.49% | 0.69% | 1.73% | 2.30% | +249 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.70% | 10.83% | 10.42% | 10.24% | 10.13% | -57 bps | |
| Net Worth / Assets | 10.70% | 10.83% | 10.42% | 10.24% | 10.13% | -57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |