Salisbury, MD · Charter 23125
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
97
Asset Quality
100
Profitability
28
Liquidity
0
Efficiency
8
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.
Salisbury, MD · Charter 23125
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 | 2.24% | 1.87% | 1.92% | 0.58% | 0.03% | -221 bps | |
| Return on Equity | 8.23% | 7.06% | 6.21% | 1.97% | 0.12% | -811 bps | |
| Net Interest Margin | 5.15% | 4.78% | 5.35% | 4.27% | 4.00% | -115 bps | |
| Efficiency Ratio | 56.82% | 61.10% | 64.26% | 86.51% | 99.14% | +4,232 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.02% | -6.90% | -7.20% | -4.49% | -5.37% | +265 bps | |
| Loan Growth (YoY) | -11.49% | -20.35% | -23.89% | -32.69% | -33.58% | -2,209 bps | |
| Share Growth (YoY) | -13.15% | -11.35% | -12.39% | -7.93% | -8.30% | +485 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 0.16% | 0.43% | 0.00% | 0.00% | -61 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 12.42% | 14.06% | 15.28% | 18.70% | 23.69% | +1,127 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.26% | 26.52% | 30.98% | 29.61% | 29.46% | +221 bps | |
| Net Worth / Assets | 27.26% | 26.52% | 30.98% | 29.61% | 29.46% | +221 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 19.31% | 17.42% | 19.60% | 15.44% | 13.99% | -532 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Salisbury, MD · Charter 23125 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.06%
Rank 1,462 of 1,683
Net Interest Margin
3.99%
Rank 680 of 1,683
Efficiency Ratio
100.00%
Rank 1,562 of 1,682
Equity / Assets
29.45%
Rank 56 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.35% | 0.74% | 1.18% | Beats 13% | 1,462 / 1,683 | |
| Return on Equity | 0.19% | 2.67% | 5.89% | 8.74% | Beats 12% | 1,471 / 1,681 | |
| Net Interest Margin | 3.99% | 3.31% | 3.82% | 4.32% | Beats 60% | 680 / 1,683 | |
| Efficiency Ratio | 100.00% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,562 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 29.45% | 10.44% | 12.89% | 16.53% | Beats 97% | 56 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 29.45% | 10.44% | 12.89% | 16.53% | Beats 97% | 56 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 13.99% | 52.61% | 69.38% | 83.50% | 1st pctl | 1,669 / 1,683 | |
| Loans / Assets | 9.84% | 44.71% | 59.18% | 70.72% | 1st pctl | 1,671 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||