Germantown, MD · Charter 18917
NCUA · 3 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 in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60 to 61). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
30
Profitability
66
Liquidity
0
Efficiency
45
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.
Germantown, MD · Charter 18917
NCUA · 3 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 | 0.36% | 0.36% | 0.30% | 0.32% | 0.37% | 0.33% | 0.35% | 0.57% | +25 bps | |
| Return on Equity | 2.90% | 2.99% | 2.51% | 2.50% | 2.92% | 2.80% | 2.92% | 4.60% | +209 bps | |
| Net Interest Margin | 4.13% | 3.94% | 3.89% | 4.12% | 4.13% | 3.90% | 3.89% | 4.06% | -6 bps | |
| Efficiency Ratio | 79.12% | 79.26% | 87.32% | 86.57% | 85.30% | 83.95% | 88.87% | 88.19% | +161 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.10% | 11.44% | 7.11% | 2.17% | 1.27% | 4.23% | 4.67% | 5.62% | +345 bps | |
| Loan Growth (YoY) | 0.00% | 6.33% | 5.23% | 3.68% | 6.05% | 9.40% | 11.53% | 10.84% | +715 bps | |
| Share Growth (YoY) | 4.87% | 5.12% | 4.44% | 3.71% | 0.50% | 6.66% | 8.34% | 5.06% | +135 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.78% | 1.71% | 1.78% | 1.63% | 1.92% | 1.67% | 1.54% | 1.61% | -2 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 | 12.57% | 12.02% | 12.12% | 12.66% | 12.68% | 11.77% | 11.83% | 12.37% | -30 bps | |
| Net Worth / Assets | 12.57% | 12.02% | 12.12% | 12.66% | 12.68% | 11.77% | 11.83% | 12.37% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.96% | 97.10% | 94.06% | 92.91% | 97.04% | 99.60% | 96.84% | 98.02% | +511 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Germantown, MD · Charter 18917 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)
NCUA · 3 branches
Q2 2026
Return on Assets
0.57%
Rank 21 of 61
Net Interest Margin
4.06%
Rank 17 of 61
Efficiency Ratio
88.18%
Rank 34 of 60
Equity / Assets
12.37%
Rank 31 of 61
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.57% | -0.02% | 0.37% | 0.88% | Beats 66% | 21 / 61 | ||
| Return on Equity | 4.60% | -0.25% | 2.65% | 5.53% | Beats 62% | 23 / 61 | ||
| Net Interest Margin | 4.06% | 3.07% | 3.57% | 4.09% | Beats 70% | 17 / 61 | ||
| Efficiency Ratio | 88.18% | 71.78% | 87.58% | 95.00% | Beats 45% | 34 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.61% | 0.44% | 1.06% | 1.85% | Beats 30% | 43 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.37% | 9.78% | 12.37% | 17.30% | Beats 49% | 31 / 61 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.37% | 9.78% | 12.37% | 17.30% | Beats 49% | 31 / 61 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.02% | 37.27% | 62.33% | 76.91% | 95th pctl | 3 / 61 | ||
| Loans / Assets | 76.88% | 30.13% | 54.75% | 64.37% | 90th pctl | 6 / 61 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||