Wilmington, DE · Charter 2187
NCUA · 6 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 | 0.17% | 0.21% | 0.00% | 0.08% | 0.01% | 0.11% | 0.42% | 0.48% | +40 bps | |
| Return on Equity | 1.87% | 2.25% | -0.05% | 0.83% | 0.09% | 1.20% | 4.67% | 5.20% | +437 bps | |
| Net Interest Margin | 2.74% | 2.74% | 2.63% | 2.66% | 2.72% | 2.67% | 2.77% | 2.87% | +22 bps | |
| Efficiency Ratio | 80.73% | 79.72% | 82.75% | 82.96% | 83.52% | 82.67% | 79.74% | 80.06% | -290 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.40% | -8.70% | -5.87% | -3.03% | 0.52% | 3.63% | 3.95% | 2.76% | +580 bps | |
| Loan Growth (YoY) | -10.83% | -9.66% | -9.02% | -6.46% | -3.12% | -2.03% | 0.48% | -0.47% | +599 bps | |
| Share Growth (YoY) | 0.87% | 0.34% | 0.38% | 2.14% | 4.62% | 5.82% | 2.87% | 2.32% | +18 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.34% | 1.53% | 1.30% | 1.39% | 1.33% | 1.43% | 1.16% | 1.14% | -26 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 | 9.25% | 9.29% | 9.15% | 9.15% | 9.19% | 9.02% | 9.02% | 9.22% | +6 bps | |
| Net Worth / Assets | 9.25% | 9.29% | 9.15% | 9.15% | 9.19% | 9.02% | 9.02% | 9.22% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.61% | 67.53% | 63.50% | 65.25% | 66.31% | 62.52% | 62.02% | 63.47% | -178 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |