PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

W S S C

Laurel, MD · Charter 16268

NCUA · 3 branches

Q2 2026

$35.4MAssets
$19.6MLoans
$31.9MShares
$3.6MNet Worth

Executive Summary

  • Earnings: ROA of -0.16%, down 52 bps year over year; NIM at 5.11%.
  • Asset quality: problem loans at 1.95% of loans (+62 bps YoY).
  • Capital: net worth / assets of 10.13%, down 57 bps from a year ago.
  • Funding: loans stand at 61.41% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

-0.16%-52 bps YoY

Net Interest Margin (quarter, annualized)

5.11%+23 bps YoY

Efficiency Ratio (quarter, annualized)

92.80%+576 bps YoY

Net Worth / Assets

10.13%-57 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.43%0.35%0.36%0.31%0.24%-0.18%-0.16%-52 bps
Return on Equity2.77%4.04%3.27%3.36%2.84%2.26%-1.75%-1.54%-491 bps
Net Interest Margin5.30%5.26%4.91%4.88%4.98%5.07%5.30%5.11%+23 bps
Efficiency Ratio80.17%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 / Loans2.41%1.44%1.32%1.33%2.24%1.70%2.16%1.95%+62 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 Capital10.52%10.57%10.64%10.70%10.83%10.42%10.24%10.13%-57 bps
Net Worth / Assets10.52%10.57%10.64%10.70%10.83%10.42%10.24%10.13%-57 bps
Liquidity & Funding
Loans / Shares63.96%62.36%60.96%60.35%59.25%59.54%58.86%61.41%+106 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps