Upper Marlboro, MD · Charter 16401
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 | 0.15% | 0.13% | 0.40% | 0.32% | 0.24% | 0.22% | -0.03% | 0.02% | -30 bps | |
| Return on Equity | 1.07% | 0.90% | 2.83% | 2.26% | 1.65% | 1.54% | -0.22% | 0.14% | -212 bps | |
| Net Interest Margin | 2.30% | 2.30% | 2.26% | 2.35% | 2.39% | 2.38% | 2.54% | 2.56% | +21 bps | |
| Efficiency Ratio | 94.77% | 95.77% | 90.70% | 91.30% | 92.86% | 92.88% | 98.22% | 98.02% | +673 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.99% | -2.14% | 0.71% | 0.37% | 1.15% | 3.29% | 0.45% | 0.62% | +25 bps | |
| Loan Growth (YoY) | -0.43% | 0.46% | -0.27% | -0.95% | -1.66% | -2.92% | -1.26% | -1.90% | -96 bps | |
| Share Growth (YoY) | -3.32% | -1.38% | 0.73% | 1.01% | 0.73% | 2.39% | 0.14% | 0.08% | -93 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.72% | 0.31% | 0.26% | 0.42% | 0.76% | 0.41% | 1.33% | +107 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 | 14.28% | 14.38% | 14.19% | 14.27% | 14.31% | 14.14% | 14.24% | 14.25% | -2 bps | |
| Net Worth / Assets | 14.28% | 14.38% | 14.19% | 14.27% | 14.31% | 14.14% | 14.24% | 14.25% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.01% | 82.48% | 80.45% | 80.20% | 80.06% | 78.21% | 79.33% | 78.61% | -159 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |