Wilmington, DE · Charter 24845
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 | 19.33% | 36.11% | 28.50% | 20.09% | 8.67% | -1,066 bps | |
| Return on Equity | 59.90% | 78.65% | 62.60% | 43.26% | 18.45% | -4,146 bps | |
| Net Interest Margin | 3.86% | 3.16% | 2.79% | 3.43% | 3.38% | -49 bps | |
| Efficiency Ratio | 26.26% | 13.91% | 18.02% | 27.87% | 45.87% | +1,961 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.96% | 18.77% | 40.63% | 46.39% | 41.65% | +2,969 bps | |
| Loan Growth (YoY) | 36.23% | 16.35% | 44.27% | 69.22% | 91.37% | +5,514 bps | |
| Share Growth (YoY) | -5.99% | -13.28% | -10.62% | 13.25% | 10.85% | +1,684 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 23.58% | 20.24% | 4.73% | 12.39% | 10.61% | -1,297 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 23.16% | 30.65% | 33.12% | 24.28% | 21.17% | -200 bps | |
| Capital | |||||||
| Risk-Based Capital | 32.26% | 45.92% | 45.52% | 46.45% | 47.00% | +1,474 bps | |
| Net Worth / Assets | 32.26% | 45.92% | 45.52% | 46.45% | 47.00% | +1,474 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 22.72% | 22.71% | 28.91% | 32.53% | 39.22% | +1,650 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |