Germantown, MD · Charter 18917
NCUA · 3 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 | 0.32% | 0.37% | 0.33% | 0.35% | 0.57% | +25 bps | |
| Return on Equity | 2.50% | 2.92% | 2.80% | 2.92% | 4.60% | +209 bps | |
| Net Interest Margin | 4.12% | 4.13% | 3.90% | 3.89% | 4.06% | -6 bps | |
| Efficiency Ratio | 86.57% | 85.30% | 83.95% | 88.87% | 88.19% | +161 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.17% | 1.27% | 4.23% | 4.67% | 5.62% | +345 bps | |
| Loan Growth (YoY) | 3.68% | 6.05% | 9.40% | 11.53% | 10.84% | +715 bps | |
| Share Growth (YoY) | 3.71% | 0.50% | 6.66% | 8.34% | 5.06% | +135 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.66% | 12.68% | 11.77% | 11.83% | 12.37% | -30 bps | |
| Net Worth / Assets | 12.66% | 12.68% | 11.77% | 11.83% | 12.37% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |