PackageTrendsPeer
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Bull Dog

Hagerstown, MD · Charter 18868

NCUA · 6 branches

Q2 2026

$237.7MAssets
$86.2MLoans
$214.7MShares
$29.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.07%, up 16 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 1.31% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.37%, up 137 bps from a year ago.
  • Funding: loans stand at 40.14% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.07%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+26 bps YoY

Efficiency Ratio (YTD, annualized)

65.75%-403 bps YoY

Net Worth / Assets

12.37%+137 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%1.20%1.29%0.91%1.07%+16 bps
Return on Equity8.27%10.40%10.74%7.63%8.65%+38 bps
Net Interest Margin3.52%3.63%3.74%3.67%3.78%+26 bps
Efficiency Ratio69.78%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 / Loans1.30%1.65%1.55%0.52%1.31%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.00%11.58%12.01%11.87%12.37%+137 bps
Net Worth / Assets11.00%11.58%12.01%11.87%12.37%+137 bps
Liquidity & Funding
Loans / Shares38.33%40.18%40.80%40.24%40.14%+180 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps