PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Police

Upper Marlboro, MD · Charter 16401

NCUA · 3 branches

Q2 2026

$175.9MAssets
$114.8MLoans
$146.0MShares
$25.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.02%, down 30 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 1.33% of loans (+107 bps YoY).
  • Capital: net worth / assets of 14.25%, down 2 bps from a year ago.
  • Funding: loans stand at 78.61% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.02%-30 bps YoY

Net Interest Margin (YTD, annualized)

2.56%+21 bps YoY

Efficiency Ratio (YTD, annualized)

98.02%+673 bps YoY

Net Worth / Assets

14.25%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.24%0.22%-0.03%0.02%-30 bps
Return on Equity2.26%1.65%1.54%-0.22%0.14%-212 bps
Net Interest Margin2.35%2.39%2.38%2.54%2.56%+21 bps
Efficiency Ratio91.30%92.86%92.88%98.22%98.02%+673 bps
Growth
Asset Growth (YoY)0.37%1.15%3.29%0.45%0.62%+25 bps
Loan Growth (YoY)-0.95%-1.66%-2.92%-1.26%-1.90%-96 bps
Share Growth (YoY)1.01%0.73%2.39%0.14%0.08%-93 bps
Asset Quality
Delinquent Loans / Loans0.26%0.42%0.76%0.41%1.33%+107 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.27%14.31%14.14%14.24%14.25%-2 bps
Net Worth / Assets14.27%14.31%14.14%14.24%14.25%-2 bps
Liquidity & Funding
Loans / Shares80.20%80.06%78.21%79.33%78.61%-159 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps