Olney, MD · Charter 22700
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.94% | -1.55% | 2.51% | 1.03% | 0.70% | -0.17% | -0.99% | -1.68% | -271 bps | |
| Return on Equity | -18.87% | -15.12% | 23.82% | 9.62% | 6.26% | -1.68% | -9.39% | -15.18% | -2,480 bps | |
| Net Interest Margin | 3.17% | 3.17% | 2.76% | 3.03% | 3.17% | 3.03% | 3.24% | 3.52% | +48 bps | |
| Efficiency Ratio | 139.15% | 132.15% | 90.72% | 108.64% | 107.10% | 126.43% | 136.89% | 151.93% | +4,329 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.61% | -2.41% | 4.53% | 1.49% | -4.57% | -1.11% | -9.24% | -16.06% | -1,756 bps | |
| Loan Growth (YoY) | -0.88% | -8.50% | -8.71% | -18.02% | -24.95% | -24.40% | -30.52% | -28.03% | -1,001 bps | |
| Share Growth (YoY) | -3.87% | -1.07% | 5.20% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.86% | 1.95% | 1.00% | 1.00% | 1.00% | 1.00% | 1.01% | 1.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.25% | 10.25% | 10.54% | 10.68% | 11.17% | 10.19% | 10.50% | 11.07% | +39 bps | |
| Net Worth / Assets | 10.25% | 10.25% | 10.54% | 10.68% | 11.17% | 10.19% | 10.50% | 11.07% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.10% | 64.73% | 58.91% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |