PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Georgetown University Alumni and St

Washington, DC · Charter 23979

NCUA · 1 branch

Q2 2026

$13.7MAssets
$6.9MLoans
$11.9MShares
$1.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.21%, down 168 bps year over year; NIM at 4.75%.
  • Asset quality: problem loans at 1.61% of loans (-46 bps YoY).
  • Capital: net worth / assets of 14.22%, down 109 bps from a year ago.
  • Funding: loans stand at 57.91% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.21%-168 bps YoY

Net Interest Margin (YTD, annualized)

4.75%+4 bps YoY

Efficiency Ratio (YTD, annualized)

93.06%+2,368 bps YoY

Net Worth / Assets

14.22%-109 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.89%1.07%0.87%-0.19%0.21%-168 bps
Return on Equity12.33%6.80%5.85%-1.38%1.45%-1,088 bps
Net Interest Margin4.72%4.86%4.68%4.58%4.75%+4 bps
Efficiency Ratio69.38%83.24%84.10%100.32%93.06%+2,368 bps
Growth
Asset Growth (YoY)-5.54%-12.57%-12.19%3.43%4.30%+984 bps
Loan Growth (YoY)-9.36%-7.65%-6.89%-2.15%0.91%+1,027 bps
Share Growth (YoY)-8.95%-15.66%-16.09%1.80%3.50%+1,245 bps
Asset Quality
Delinquent Loans / Loans2.07%1.74%2.12%2.02%1.61%-46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.32%15.67%14.86%13.64%14.22%-109 bps
Net Worth / Assets15.32%15.67%14.86%13.64%14.22%-109 bps
Liquidity & Funding
Loans / Shares59.40%61.33%57.85%55.79%57.91%-149 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps