PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Healthcare Systems

Falls Church, VA · Charter 24564

NCUA · 6 branches

Q2 2026

$135.5MAssets
$74.4MLoans
$120.6MShares
$15.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.54%, up 11 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.49% of loans (-8 bps YoY).
  • Capital: net worth / assets of 11.42%, up 59 bps from a year ago.
  • Funding: loans stand at 61.63% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.54%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+20 bps YoY

Efficiency Ratio (YTD, annualized)

83.86%+37 bps YoY

Net Worth / Assets

11.42%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.57%0.42%0.43%0.36%0.41%0.40%0.54%+11 bps
Return on Equity5.43%5.19%3.93%3.98%3.30%3.68%3.61%4.72%+74 bps
Net Interest Margin3.51%3.54%3.34%3.38%3.47%3.51%3.52%3.58%+20 bps
Efficiency Ratio81.89%82.07%83.39%83.48%84.92%84.50%83.81%83.86%+37 bps
Growth
Asset Growth (YoY)3.32%2.95%1.55%1.71%1.08%2.98%-0.29%-1.72%-343 bps
Loan Growth (YoY)4.73%2.79%-0.25%0.38%-1.72%-0.96%1.21%2.12%+174 bps
Share Growth (YoY)1.72%3.02%1.68%1.81%0.48%2.02%-1.12%-2.49%-431 bps
Asset Quality
Delinquent Loans / Loans0.71%0.86%0.67%0.57%0.58%0.55%0.43%0.49%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.80%10.97%10.71%10.82%11.02%11.00%11.12%11.42%+59 bps
Net Worth / Assets10.80%10.97%10.71%10.82%11.02%11.00%11.12%11.42%+59 bps
Liquidity & Funding
Loans / Shares60.74%61.45%58.44%58.85%59.41%59.65%59.82%61.63%+278 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps