College Park, MD · Charter 18948
NCUA · 2 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
41
Asset Quality
8
Profitability
26
Liquidity
97
Efficiency
15
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.
College Park, MD · Charter 18948
NCUA · 2 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 | 0.65% | 0.53% | -0.73% | 0.29% | 0.43% | -0.24% | -0.33% | -1.45% | -174 bps | |
| Return on Equity | 4.74% | 4.07% | -5.65% | 2.33% | 3.38% | -1.93% | -2.74% | -12.90% | -1,522 bps | |
| Net Interest Margin | 4.28% | 3.94% | 3.28% | 3.48% | 3.63% | 3.65% | 3.26% | 3.79% | +31 bps | |
| Efficiency Ratio | 83.19% | 88.18% | 95.96% | 87.48% | 84.52% | 106.50% | 108.19% | 98.29% | +1,082 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.02% | 7.14% | 7.25% | 11.24% | 11.02% | 3.64% | 4.16% | 1.72% | -952 bps | |
| Loan Growth (YoY) | 25.53% | 10.64% | 7.69% | -0.34% | -5.43% | -6.30% | -4.27% | -0.75% | -41 bps | |
| Share Growth (YoY) | -0.29% | 7.50% | 8.06% | 13.06% | 12.44% | 4.38% | 4.89% | 3.25% | -981 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 1.84% | 4.66% | 4.84% | 5.55% | 3.19% | 5.03% | 6.96% | +212 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 | 13.77% | 12.97% | 12.93% | 12.67% | 12.81% | 12.29% | 12.08% | 11.22% | -145 bps | |
| Net Worth / Assets | 13.77% | 12.97% | 12.93% | 12.67% | 12.81% | 12.29% | 12.08% | 11.22% | -145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.44% | 71.01% | 69.26% | 65.77% | 65.13% | 63.75% | 63.21% | 63.22% | -255 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
College Park, MD · Charter 18948 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)
NCUA · 2 branches
Q2 2026
Return on Assets
-1.45%
Rank 56 of 61
Net Interest Margin
3.79%
Rank 22 of 61
Efficiency Ratio
98.22%
Rank 52 of 60
Equity / Assets
11.22%
Rank 36 of 61
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.45% | -0.02% | 0.37% | 0.88% | Beats 8% | 56 / 61 | ||
| Return on Equity | -12.90% | -0.25% | 2.65% | 5.53% | Beats 7% | 57 / 61 | ||
| Net Interest Margin | 3.79% | 3.07% | 3.57% | 4.09% | Beats 64% | 22 / 61 | ||
| Efficiency Ratio | 98.22% | 71.78% | 87.58% | 95.00% | Beats 15% | 52 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.95% | 0.44% | 1.06% | 1.85% | Beats 8% | 56 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.22% | 9.78% | 12.37% | 17.30% | Beats 41% | 36 / 61 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.22% | 9.78% | 12.37% | 17.30% | Beats 41% | 36 / 61 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.22% | 37.27% | 62.33% | 76.91% | 52nd pctl | 29 / 61 | ||
| Loans / Assets | 55.84% | 30.13% | 54.75% | 64.37% | 52nd pctl | 29 / 61 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||