Towson, MD · Charter 18651
NCUA · 2 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Baltimore-Columbia-Towson, MD area (n=17 to 18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
50
Profitability
8
Liquidity
0
Efficiency
6
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Towson, MD · Charter 18651
NCUA · 2 branches
Q1 2025
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.39% | 0.31% | 0.26% | 0.26% | 0.28% | 0.32% | -1.70% | -196 bps | |
| Return on Equity | 2.63% | 2.39% | 1.88% | 1.56% | 1.54% | 1.61% | 1.81% | -9.48% | -1,103 bps | |
| Net Interest Margin | 2.27% | 2.27% | 2.31% | 2.06% | 2.13% | 2.22% | 2.30% | 2.27% | +21 bps | |
| Efficiency Ratio | 80.63% | 82.28% | 85.94% | 86.40% | 86.41% | 85.00% | 84.63% | 167.50% | +8,110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.73% | -5.10% | -6.72% | -6.27% | -5.49% | -5.74% | -5.17% | -7.71% | -145 bps | |
| Loan Growth (YoY) | -7.46% | -13.81% | -13.26% | -14.58% | -14.33% | -12.76% | -10.14% | -15.80% | -122 bps | |
| Share Growth (YoY) | -3.37% | -6.16% | -8.14% | -7.73% | -6.94% | -7.10% | -6.38% | -8.96% | -123 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.14% | 0.63% | 1.06% | 0.90% | 0.00% | 0.00% | 0.27% | 0.49% | -40 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 | 15.87% | 16.31% | 16.74% | 16.78% | 16.94% | 17.44% | 17.89% | 17.93% | +115 bps | |
| Net Worth / Assets | 15.87% | 16.31% | 16.74% | 16.78% | 16.94% | 17.44% | 17.89% | 17.93% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.83% | 36.99% | 37.53% | 36.41% | 34.82% | 34.74% | 36.02% | 33.67% | -274 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Towson, MD · Charter 18651 · Peer group: credit unions under $1B in assets in the Baltimore-Columbia-Towson, MD area (n=17-18)
NCUA · 2 branches
Q1 2025
Return on Assets
-1.68%
Rank 17 of 18
Net Interest Margin
2.27%
Rank 17 of 18
Efficiency Ratio
168.60%
Rank 17 of 17
Equity / Assets
17.93%
Rank 3 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.68% | -0.04% | 0.47% | 0.83% | Beats 6% | 17 / 18 | ||
| Return on Equity | -9.40% | -0.32% | 3.06% | 7.84% | Beats 11% | 16 / 18 | ||
| Net Interest Margin | 2.27% | 3.14% | 3.42% | 3.76% | Beats 6% | 17 / 18 | ||
| Efficiency Ratio | 168.60% | 77.72% | 82.03% | 86.56% | Beats 6% | 17 / 17 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.50% | 0.25% | 0.50% | 1.45% | Beats 50% | 10 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.93% | 9.04% | 10.98% | 13.35% | Beats 83% | 3 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.93% | 9.04% | 10.98% | 13.35% | Beats 83% | 3 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 33.67% | 44.78% | 67.75% | 75.93% | 6th pctl | 17 / 18 | ||
| Loans / Assets | 27.62% | 40.53% | 62.66% | 67.55% | 6th pctl | 17 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||