Frederick, MD · Charter 16408
NCUA · 4 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 | 0.65% | 0.64% | 0.72% | 0.82% | 0.75% | +10 bps | |
| Return on Equity | 5.68% | 5.74% | 6.69% | 7.46% | 6.77% | +109 bps | |
| Net Interest Margin | 4.06% | 3.88% | 3.76% | 4.10% | 4.10% | +4 bps | |
| Efficiency Ratio | 79.70% | 78.06% | 76.27% | 75.02% | 75.05% | -465 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.13% | 7.61% | 12.45% | 10.63% | 10.54% | +841 bps | |
| Loan Growth (YoY) | 9.09% | 12.00% | 17.13% | 2.17% | 7.79% | -130 bps | |
| Share Growth (YoY) | 1.08% | 4.17% | 7.64% | 7.58% | 8.08% | +700 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.25% | 1.62% | 1.38% | 1.07% | 0.93% | -32 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 | 11.49% | 11.07% | 10.74% | 10.96% | 11.11% | -37 bps | |
| Net Worth / Assets | 11.49% | 11.07% | 10.74% | 10.96% | 11.11% | -37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.98% | 83.50% | 87.31% | 74.81% | 83.76% | -22 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |