New Castle, DE · Charter 16769
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 | 0.97% | -0.14% | 1.01% | 0.83% | 0.04% | 0.28% | 1.36% | 1.12% | +29 bps | |
| Return on Equity | 4.12% | -0.60% | 4.12% | 3.37% | 0.14% | 1.12% | 5.41% | 4.33% | +97 bps | |
| Net Interest Margin | 1.78% | 1.71% | 1.83% | 1.80% | 1.88% | 1.83% | 2.15% | 2.08% | +28 bps | |
| Efficiency Ratio | 45.71% | 68.24% | 44.84% | 53.78% | 46.33% | 44.50% | 36.91% | 46.26% | -753 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.59% | -8.72% | -11.97% | -8.70% | -7.00% | -3.49% | -1.06% | -2.51% | +618 bps | |
| Loan Growth (YoY) | 11.88% | 4.88% | 5.78% | 4.49% | -5.09% | -6.01% | -18.02% | -23.56% | -2,805 bps | |
| Share Growth (YoY) | -18.67% | -10.97% | -15.04% | -10.98% | -8.06% | -4.93% | -1.88% | -3.88% | +710 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.84% | 0.55% | 3.73% | 3.49% | 0.00% | 0.00% | 0.00% | 0.82% | -266 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 | 4.98% | 5.11% | 5.00% | 4.86% | 7.32% | 7.99% | 8.76% | 9.21% | +435 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.50% | 23.66% | 24.46% | 24.76% | 24.37% | 24.79% | 25.08% | 25.81% | +105 bps | |
| Net Worth / Assets | 23.50% | 23.66% | 24.46% | 24.76% | 24.37% | 24.79% | 25.08% | 25.81% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 16.15% | 15.77% | 17.04% | 17.83% | 16.67% | 15.59% | 14.24% | 14.18% | -365 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |