Silver Spring, MD · Charter 24246
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.31% | 2.85% | 0.35% | 0.88% | 1.50% | 1.14% | -0.29% | -0.03% | -91 bps | |
| Return on Equity | 22.78% | 18.63% | 2.28% | 5.60% | 9.19% | 7.40% | -1.58% | -0.15% | -575 bps | |
| Net Interest Margin | 2.47% | 2.53% | 2.42% | 2.26% | 2.21% | 1.67% | 2.17% | 2.51% | +24 bps | |
| Efficiency Ratio | 29.10% | 33.02% | 86.50% | 67.11% | 51.88% | 51.88% | 112.63% | 101.14% | +3,403 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.37% | -6.09% | 3.57% | -0.77% | -2.40% | -0.33% | -8.81% | -17.18% | -1,641 bps | |
| Loan Growth (YoY) | -19.73% | -17.60% | -53.21% | -50.81% | -42.12% | -36.00% | -59.41% | -65.32% | -1,450 bps | |
| Share Growth (YoY) | -21.66% | -9.94% | 2.45% | -2.24% | -4.42% | -0.39% | -11.89% | -21.52% | -1,928 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 6.75% | 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 | 4.54% | 5.02% | 6.22% | 7.69% | 7.84% | 7.84% | 15.31% | 22.18% | +1,449 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.54% | 15.31% | 15.32% | 15.72% | 16.31% | 15.36% | 18.17% | 20.14% | +442 bps | |
| Net Worth / Assets | 14.54% | 15.31% | 15.32% | 15.72% | 16.31% | 15.36% | 18.17% | 20.14% | +442 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 4.04% | 3.81% | 3.06% | 2.49% | 2.45% | 2.45% | 1.41% | 1.10% | -139 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |