Germantown, MD · Charter 18716
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 | 0.67% | 0.69% | 0.59% | 0.63% | 0.50% | -16 bps | |
| Return on Equity | 6.35% | 6.40% | 5.49% | 5.83% | 4.61% | -175 bps | |
| Net Interest Margin | 3.01% | 3.06% | 3.08% | 2.97% | 3.07% | +6 bps | |
| Efficiency Ratio | 81.72% | 81.87% | 84.57% | 81.73% | 85.59% | +387 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.96% | 3.74% | 2.22% | 1.42% | 0.28% | -368 bps | |
| Loan Growth (YoY) | -0.87% | -1.17% | -0.58% | 0.06% | 1.84% | +272 bps | |
| Share Growth (YoY) | 3.59% | 3.38% | 1.94% | 0.47% | -0.15% | -374 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.48% | 10.73% | 10.80% | 10.75% | 10.96% | +48 bps | |
| Net Worth / Assets | 10.48% | 10.73% | 10.80% | 10.75% | 10.96% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |