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Peninsula General Hospital & Medical Center Employees Federal Credit Union

Salisbury, MD · Charter 23125

NCUA · 1 branch

Q2 2026

$3.6MAssets
$350KLoans
$2.5MShares
$1.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.03%, down 221 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.00% of loans (-61 bps YoY).
  • Capital: net worth / assets of 29.46%, up 221 bps from a year ago.
  • Funding: loans stand at 13.99% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.03%-221 bps YoY

Net Interest Margin (YTD, annualized)

4.00%-115 bps YoY

Efficiency Ratio (YTD, annualized)

99.14%+4,232 bps YoY

Net Worth / Assets

29.46%+221 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.82%2.10%2.51%2.24%1.87%1.92%0.58%0.03%-221 bps
Return on Equity7.92%7.79%9.29%8.23%7.06%6.21%1.97%0.12%-811 bps
Net Interest Margin4.58%5.27%5.46%5.15%4.78%5.35%4.27%4.00%-115 bps
Efficiency Ratio60.55%60.31%54.36%56.82%61.10%64.26%86.51%99.14%+4,232 bps
Growth
Asset Growth (YoY)-5.37%-8.51%-10.63%-8.02%-6.90%-7.20%-4.49%-5.37%+265 bps
Loan Growth (YoY)-8.65%-7.88%-5.68%-11.49%-20.35%-23.89%-32.69%-33.58%-2,209 bps
Share Growth (YoY)-8.87%-13.63%-16.37%-13.15%-11.35%-12.39%-7.93%-8.30%+485 bps
Asset Quality
Delinquent Loans / Loans0.00%0.80%0.00%0.61%0.16%0.43%0.00%0.00%-61 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans11.22%11.64%12.24%12.42%14.06%15.28%18.70%23.69%+1,127 bps
Capital
Risk-Based Capital22.92%26.97%27.02%27.26%26.52%30.98%29.61%29.46%+221 bps
Net Worth / Assets22.92%26.97%27.02%27.26%26.52%30.98%29.61%29.46%+221 bps
Liquidity & Funding
Loans / Shares19.39%22.55%21.12%19.31%17.42%19.60%15.44%13.99%-532 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps