Baltimore, MD · Charter 20623
NCUA · 4 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 | 0.90% | 0.98% | 0.91% | 0.77% | 0.65% | -25 bps | |
| Return on Equity | 7.58% | 7.94% | 7.51% | 6.21% | 5.12% | -245 bps | |
| Net Interest Margin | 3.49% | 3.63% | 3.62% | 3.88% | 3.99% | +50 bps | |
| Efficiency Ratio | 81.42% | 80.52% | 80.13% | 83.53% | 85.15% | +373 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.41% | 3.49% | 3.85% | 0.58% | -0.04% | -345 bps | |
| Loan Growth (YoY) | 2.30% | 2.29% | 2.70% | 2.00% | -2.25% | -454 bps | |
| Share Growth (YoY) | 2.52% | 4.36% | 4.09% | 1.83% | 3.50% | +98 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.94% | 12.29% | 12.15% | 12.35% | 12.70% | +76 bps | |
| Net Worth / Assets | 11.94% | 12.29% | 12.15% | 12.35% | 12.70% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |