Olney, MD · Charter 22700
NCUA · 1 branch
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 in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60 to 61). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
36
Asset Quality
100
Profitability
21
Liquidity
59
Efficiency
7
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.
Olney, MD · Charter 22700
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 | 1.03% | 0.70% | -0.17% | -0.99% | -1.68% | -271 bps | |
| Return on Equity | 9.62% | 6.26% | -1.68% | -9.39% | -15.18% | -2,480 bps | |
| Net Interest Margin | 3.03% | 3.17% | 3.03% | 3.24% | 3.52% | +48 bps | |
| Efficiency Ratio | 108.64% | 107.10% | 126.43% | 136.89% | 151.93% | +4,329 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.49% | -4.57% | -1.11% | -9.24% | -16.06% | -1,756 bps | |
| Loan Growth (YoY) | -18.02% | -24.95% | -24.40% | -30.52% | -28.03% | -1,001 bps | |
| Share Growth (YoY) | 1.47% | -5.46% | -1.43% | -9.54% | -16.89% | -1,836 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.00% | 1.00% | 1.00% | 1.01% | 1.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.68% | 11.17% | 10.19% | 10.50% | 11.07% | +39 bps | |
| Net Worth / Assets | 10.68% | 11.17% | 10.19% | 10.50% | 11.07% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.16% | 53.27% | 49.64% | 45.25% | 46.90% | -726 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Olney, MD · Charter 22700 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.73%
Rank 57 of 61
Net Interest Margin
3.57%
Rank 30 of 61
Efficiency Ratio
150.00%
Rank 59 of 60
Equity / Assets
11.06%
Rank 39 of 61
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.73% | -0.02% | 0.37% | 0.88% | Beats 7% | 57 / 61 | |
| Return on Equity | -15.63% | -0.25% | 2.65% | 5.53% | Beats 5% | 58 / 61 | |
| Net Interest Margin | 3.57% | 3.07% | 3.57% | 4.09% | Beats 51% | 30 / 61 | |
| Efficiency Ratio | 150.00% | 71.78% | 87.58% | 95.00% | Beats 7% | 59 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.44% | 1.06% | 1.85% | Beats 100% | 11 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.06% | 9.78% | 12.37% | 17.30% | Beats 36% | 39 / 61 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.06% | 9.78% | 12.37% | 17.30% | Beats 36% | 39 / 61 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.86% | 37.27% | 62.33% | 76.91% | 33rd pctl | 41 / 61 | |
| Loans / Assets | 41.24% | 30.13% | 54.75% | 64.37% | 36th pctl | 39 / 61 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||