PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Prince George's Community

Bowie, MD · Charter 18271

NCUA · 4 branches

Q2 2026

$337.0MAssets
$195.4MLoans
$288.7MShares
$45.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.19%, down 3 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.84% of loans (+9 bps YoY).
  • Capital: net worth / assets of 13.53%, up 22 bps from a year ago.
  • Funding: loans stand at 67.67% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.19%-3 bps YoY

Net Interest Margin (YTD, annualized)

4.15%-5 bps YoY

Efficiency Ratio (YTD, annualized)

69.01%+89 bps YoY

Net Worth / Assets

13.53%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.19%1.21%1.22%1.08%1.07%1.03%1.19%-3 bps
Return on Equity7.82%8.94%9.10%9.14%8.03%8.04%7.69%8.79%-35 bps
Net Interest Margin3.91%4.31%4.14%4.21%4.25%4.16%4.11%4.15%-5 bps
Efficiency Ratio72.94%72.34%69.90%68.12%70.13%69.67%70.41%69.01%+89 bps
Growth
Asset Growth (YoY)19.58%18.56%5.38%6.51%6.49%8.99%6.74%6.40%-11 bps
Loan Growth (YoY)6.76%7.22%-0.50%-2.16%-1.70%-2.05%-0.25%0.36%+252 bps
Share Growth (YoY)19.45%18.76%5.21%6.53%5.86%8.73%6.25%5.75%-78 bps
Asset Quality
Delinquent Loans / Loans0.44%0.86%0.64%0.74%1.14%1.20%0.86%0.84%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.23%13.34%13.27%13.31%13.49%13.27%13.42%13.53%+22 bps
Net Worth / Assets13.23%13.34%13.27%13.31%13.49%13.27%13.42%13.53%+22 bps
Liquidity & Funding
Loans / Shares77.60%77.02%73.30%71.31%72.05%69.38%68.82%67.67%-364 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps