Baltimore, MD · Charter 20623
NCUA · 4 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
50
Profitability
49
Liquidity
78
Efficiency
29
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.
Baltimore, MD · Charter 20623
NCUA · 4 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 | 0.60% | 0.62% | 0.73% | 0.90% | 0.98% | 0.91% | 0.77% | 0.65% | -25 bps | |
| Return on Equity | 5.08% | 5.25% | 6.32% | 7.58% | 7.94% | 7.51% | 6.21% | 5.12% | -245 bps | |
| Net Interest Margin | 3.21% | 3.19% | 3.33% | 3.49% | 3.63% | 3.62% | 3.88% | 3.99% | +50 bps | |
| Efficiency Ratio | 83.13% | 82.14% | 83.49% | 81.42% | 80.52% | 80.13% | 83.53% | 85.15% | +373 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.87% | 1.96% | 2.68% | 3.41% | 3.49% | 3.85% | 0.58% | -0.04% | -345 bps | |
| Loan Growth (YoY) | -3.59% | -3.15% | -2.41% | 2.30% | 2.29% | 2.70% | 2.00% | -2.25% | -454 bps | |
| Share Growth (YoY) | -2.21% | 1.15% | 1.75% | 2.52% | 4.36% | 4.09% | 1.83% | 3.50% | +98 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.43% | 0.25% | 0.46% | 0.35% | 0.35% | 0.29% | 0.65% | +19 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 | 11.84% | 11.72% | 11.54% | 11.94% | 12.29% | 12.15% | 12.35% | 12.70% | +76 bps | |
| Net Worth / Assets | 11.84% | 11.72% | 11.54% | 11.94% | 12.29% | 12.15% | 12.35% | 12.70% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.45% | 65.51% | 62.71% | 66.22% | 66.12% | 64.63% | 62.81% | 62.54% | -368 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Baltimore, MD · Charter 20623 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.65%
Rank 951 of 1,683
Net Interest Margin
3.99%
Rank 677 of 1,683
Efficiency Ratio
85.16%
Rank 1,193 of 1,682
Equity / Assets
12.70%
Rank 874 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.65% | 0.35% | 0.74% | 1.18% | Beats 43% | 951 / 1,683 | n/a | |
| Return on Equity | 5.12% | 2.67% | 5.89% | 8.74% | Beats 44% | 947 / 1,681 | n/a | |
| Net Interest Margin | 3.99% | 3.31% | 3.82% | 4.32% | Beats 60% | 677 / 1,683 | n/a | |
| Efficiency Ratio | 85.16% | 68.91% | 78.20% | 86.93% | Beats 29% | 1,193 / 1,682 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.65% | 0.26% | 0.65% | 1.29% | Beats 50% | 836 / 1,682 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.70% | 10.44% | 12.89% | 16.53% | Beats 48% | 874 / 1,683 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.70% | 10.44% | 12.89% | 16.53% | Beats 48% | 874 / 1,683 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.54% | 52.61% | 69.38% | 83.50% | 39th pctl | 1,032 / 1,683 | n/a | |
| Loans / Assets | 53.69% | 44.71% | 59.18% | 70.72% | 40th pctl | 1,007 / 1,683 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||