Hagerstown, MD · Charter 18868
NCUA · 6 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
25
Profitability
64
Liquidity
5
Efficiency
81
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.
Hagerstown, MD · Charter 18868
NCUA · 6 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 | 0.91% | 1.20% | 1.29% | 0.91% | 1.07% | +16 bps | |
| Return on Equity | 8.27% | 10.40% | 10.74% | 7.63% | 8.65% | +38 bps | |
| Net Interest Margin | 3.52% | 3.63% | 3.74% | 3.67% | 3.78% | +26 bps | |
| Efficiency Ratio | 69.78% | 66.28% | 64.89% | 68.71% | 65.75% | -403 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.00% | 3.38% | 4.79% | 2.36% | -0.14% | -413 bps | |
| Loan Growth (YoY) | 2.81% | 4.42% | 4.26% | 5.94% | 1.88% | -92 bps | |
| Share Growth (YoY) | 2.44% | 1.71% | 0.71% | -0.28% | -2.69% | -513 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.30% | 1.65% | 1.55% | 0.52% | 1.31% | 0 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 | 11.00% | 11.58% | 12.01% | 11.87% | 12.37% | +137 bps | |
| Net Worth / Assets | 11.00% | 11.58% | 12.01% | 11.87% | 12.37% | +137 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.33% | 40.18% | 40.80% | 40.24% | 40.14% | +180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hagerstown, MD · Charter 18868 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
1.07%
Rank 519 of 1,683
Net Interest Margin
3.78%
Rank 875 of 1,683
Efficiency Ratio
65.75%
Rank 317 of 1,682
Equity / Assets
12.37%
Rank 942 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | 0.35% | 0.74% | 1.18% | Beats 69% | 519 / 1,683 | |
| Return on Equity | 8.65% | 2.67% | 5.89% | 8.74% | Beats 74% | 434 / 1,681 | |
| Net Interest Margin | 3.78% | 3.31% | 3.82% | 4.32% | Beats 48% | 875 / 1,683 | |
| Efficiency Ratio | 65.75% | 68.91% | 78.20% | 86.93% | Beats 81% | 317 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.31% | 0.26% | 0.65% | 1.29% | Beats 25% | 1,268 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.37% | 10.44% | 12.89% | 16.53% | Beats 44% | 942 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.37% | 10.44% | 12.89% | 16.53% | Beats 44% | 942 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 40.14% | 52.61% | 69.38% | 83.50% | 11th pctl | 1,496 / 1,683 | |
| Loans / Assets | 36.25% | 44.71% | 59.18% | 70.72% | 14th pctl | 1,442 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||