Germantown, MD · Charter 18716
NCUA · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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 Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60 to 61). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
63
Profitability
50
Liquidity
29
Efficiency
60
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.
Germantown, MD · Charter 18716
NCUA · 4 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 | 1.96% | 1.59% | 0.66% | 0.67% | 0.69% | 0.59% | 0.63% | 0.50% | -16 bps | |
| Return on Equity | 18.78% | 15.21% | 6.39% | 6.35% | 6.40% | 5.49% | 5.83% | 4.61% | -175 bps | |
| Net Interest Margin | 3.27% | 3.19% | 2.92% | 3.01% | 3.06% | 3.08% | 2.97% | 3.07% | +6 bps | |
| Efficiency Ratio | 58.59% | 64.29% | 83.14% | 81.72% | 81.87% | 84.57% | 81.73% | 85.59% | +387 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.63% | 6.28% | 4.35% | 3.96% | 3.74% | 2.22% | 1.42% | 0.28% | -368 bps | |
| Loan Growth (YoY) | -1.96% | -1.37% | -1.05% | -0.87% | -1.17% | -0.58% | 0.06% | 1.84% | +272 bps | |
| Share Growth (YoY) | 3.00% | 4.90% | 3.98% | 3.59% | 3.38% | 1.94% | 0.47% | -0.15% | -374 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 1.49% | 0.99% | 1.25% | 1.01% | 1.01% | 0.69% | 0.72% | -53 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 | 10.45% | 10.43% | 10.32% | 10.48% | 10.73% | 10.80% | 10.75% | 10.96% | +48 bps | |
| Net Worth / Assets | 10.45% | 10.43% | 10.32% | 10.48% | 10.73% | 10.80% | 10.75% | 10.96% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.06% | 82.78% | 79.94% | 80.29% | 80.36% | 80.73% | 79.62% | 81.89% | +160 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Germantown, MD · Charter 18716 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)
NCUA · 4 branches
Q2 2026
Return on Assets
0.51%
Rank 23 of 61
Net Interest Margin
3.07%
Rank 46 of 61
Efficiency Ratio
85.59%
Rank 25 of 60
Equity / Assets
10.96%
Rank 40 of 61
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.51% | -0.02% | 0.37% | 0.88% | Beats 62% | 23 / 61 | ||
| Return on Equity | 4.61% | -0.25% | 2.65% | 5.53% | Beats 64% | 22 / 61 | ||
| Net Interest Margin | 3.07% | 3.07% | 3.57% | 4.09% | Beats 25% | 46 / 61 | ||
| Efficiency Ratio | 85.59% | 71.78% | 87.58% | 95.00% | Beats 60% | 25 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.72% | 0.44% | 1.06% | 1.85% | Beats 63% | 23 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.96% | 9.78% | 12.37% | 17.30% | Beats 34% | 40 / 61 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.96% | 9.78% | 12.37% | 17.30% | Beats 34% | 40 / 61 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.89% | 37.27% | 62.33% | 76.91% | 79th pctl | 13 / 61 | ||
| Loans / Assets | 71.94% | 30.13% | 54.75% | 64.37% | 85th pctl | 9 / 61 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||