Silver Spring, MD · Charter 216
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.10% | -0.04% | 0.11% | 0.19% | 0.30% | 0.33% | 0.48% | +37 bps | |
| Return on Equity | 1.00% | 1.13% | -0.51% | 1.26% | 2.15% | 3.49% | 3.85% | 5.33% | +406 bps | |
| Net Interest Margin | 3.12% | 3.12% | 3.20% | 3.32% | 3.47% | 3.51% | 3.62% | 3.65% | +33 bps | |
| Efficiency Ratio | 92.49% | 92.65% | 95.06% | 91.20% | 89.58% | 87.91% | 87.34% | 86.44% | -476 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.42% | -8.12% | -2.02% | -0.28% | 2.18% | 1.58% | -0.76% | -1.65% | -136 bps | |
| Loan Growth (YoY) | 15.71% | 9.04% | -2.85% | -8.29% | -5.58% | -0.11% | -1.78% | -1.24% | +705 bps | |
| Share Growth (YoY) | -11.01% | -8.87% | -2.05% | 0.28% | 1.81% | 1.27% | -1.24% | -2.34% | -262 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.23% | 1.44% | 0.85% | 0.73% | 0.58% | 1.12% | 1.64% | 0.82% | +9 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 | 8.67% | 8.61% | 8.27% | 8.36% | 8.62% | 8.74% | 8.70% | 8.96% | +60 bps | |
| Net Worth / Assets | 8.67% | 8.61% | 8.27% | 8.36% | 8.62% | 8.74% | 8.70% | 8.96% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.87% | 34.84% | 32.63% | 32.01% | 33.26% | 34.37% | 32.45% | 32.37% | +36 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |