Silver Spring, MD · Charter 19514
NCUA · 1 branch
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 | 0.27% | 0.20% | 0.18% | 0.47% | -0.41% | -69 bps | |
| Return on Equity | 2.83% | 2.03% | 1.83% | 4.69% | -4.23% | -706 bps | |
| Net Interest Margin | 2.85% | 3.00% | 3.12% | 3.13% | 3.06% | +21 bps | |
| Efficiency Ratio | 90.89% | 93.72% | 94.37% | 122.10% | 131.72% | +4,083 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.70% | -4.09% | -3.68% | -3.79% | -4.02% | -232 bps | |
| Loan Growth (YoY) | 13.50% | 7.31% | 3.21% | -4.11% | -7.68% | -2,118 bps | |
| Share Growth (YoY) | -2.24% | -4.71% | -4.28% | -4.48% | -4.28% | -204 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 0.60% | 0.65% | 0.77% | 0.58% | +5 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 | 9.66% | 9.75% | 10.08% | 9.99% | 9.78% | +12 bps | |
| Net Worth / Assets | 9.66% | 9.75% | 10.08% | 9.99% | 9.78% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.84% | 48.79% | 49.39% | 45.95% | 46.14% | -170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |