Bull Dog
Hagerstown, MD · Charter 18868 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$237.7MAssets
$86.2MLoans
$214.7MShares
$29.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 81% of credit unions under $1B in assets (rank 317 of 1682).
- Widest gap: nonperforming loans / loans trails 75% of credit unions under $1B in assets (rank 1268 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |