Dover, DE · Charter 16364
NCUA · 1 branch
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 | 0.46% | 0.48% | 0.23% | -1.57% | -0.23% | -70 bps | |
| Return on Equity | 3.24% | 3.28% | 1.62% | -11.44% | -1.64% | -488 bps | |
| Net Interest Margin | 6.31% | 6.42% | 6.27% | 5.98% | 6.08% | -23 bps | |
| Efficiency Ratio | 79.09% | 79.62% | 81.70% | 91.14% | 87.17% | +809 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.17% | -0.50% | 0.73% | -2.24% | 0.13% | +30 bps | |
| Loan Growth (YoY) | -0.42% | 0.82% | 4.16% | -1.46% | -1.07% | -65 bps | |
| Share Growth (YoY) | -1.02% | -1.43% | 0.58% | -2.28% | 0.23% | +124 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.62% | 1.54% | 2.06% | 0.77% | 1.75% | -188 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 | 14.35% | 14.68% | 14.13% | 13.72% | 14.07% | -28 bps | |
| Net Worth / Assets | 14.35% | 14.68% | 14.13% | 13.72% | 14.07% | -28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.04% | 52.70% | 52.12% | 48.97% | 50.38% | -66 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |