Hagerstown, MD · Charter 18868
NCUA · 6 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 | 1.31% | 1.22% | 0.77% | 0.91% | 1.20% | 1.29% | 0.91% | 1.07% | +16 bps | |
| Return on Equity | 12.08% | 10.87% | 7.13% | 8.27% | 10.40% | 10.74% | 7.63% | 8.65% | +38 bps | |
| Net Interest Margin | 3.31% | 3.38% | 3.46% | 3.52% | 3.63% | 3.74% | 3.67% | 3.78% | +26 bps | |
| Efficiency Ratio | 67.74% | 68.40% | 70.33% | 69.78% | 66.28% | 64.89% | 68.71% | 65.75% | -403 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.41% | -1.74% | 0.92% | 4.00% | 3.38% | 4.79% | 2.36% | -0.14% | -413 bps | |
| Loan Growth (YoY) | 11.65% | 11.32% | 11.39% | 2.81% | 4.42% | 4.26% | 5.94% | 1.88% | -92 bps | |
| Share Growth (YoY) | -0.98% | -2.42% | -1.14% | 2.44% | 1.71% | 0.71% | -0.28% | -2.69% | -513 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.38% | 1.54% | 0.44% | 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 | 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 | 10.81% | 11.23% | 10.83% | 11.00% | 11.58% | 12.01% | 11.87% | 12.37% | +137 bps | |
| Net Worth / Assets | 10.81% | 11.23% | 10.83% | 11.00% | 11.58% | 12.01% | 11.87% | 12.37% | +137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.14% | 39.41% | 37.87% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |