Denton, MD · Charter 20656
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 | 0.23% | 0.54% | 0.69% | 0.74% | 0.99% | +76 bps | |
| Return on Equity | 0.77% | 1.83% | 2.28% | 2.46% | 3.31% | +254 bps | |
| Net Interest Margin | 2.26% | 2.40% | 2.54% | 2.85% | 2.67% | +42 bps | |
| Efficiency Ratio | 90.15% | 77.96% | 73.67% | 74.74% | 63.76% | -2,638 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.58% | 8.47% | 7.69% | 4.49% | 2.76% | -582 bps | |
| Loan Growth (YoY) | -4.07% | 1.44% | 10.64% | 1.34% | -16.21% | -1,213 bps | |
| Share Growth (YoY) | 10.05% | 11.65% | 10.28% | 5.09% | 4.65% | -540 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 2.99% | 1.77% | 4.46% | +446 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 | 29.79% | 29.71% | 30.16% | 30.24% | 30.04% | +26 bps | |
| Net Worth / Assets | 29.79% | 29.71% | 30.16% | 30.24% | 30.04% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.92% | 45.23% | 44.97% | 39.55% | 37.57% | -935 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |