Baltimore, MD · Charter 24855
NCUA · 2 branches
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Baltimore-Columbia-Towson, MD area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
100
Profitability
27
Liquidity
6
Efficiency
12
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Baltimore, MD · Charter 24855
NCUA · 2 branches
Q2 2025
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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | -0.65% | 0.46% | 0.28% | 0.20% | 0.16% | -0.52% | -0.66% | -94 bps | |
| Return on Equity | 7.09% | -10.55% | 7.10% | 4.37% | 4.56% | 4.35% | -15.13% | -19.71% | -2,407 bps | |
| Net Interest Margin | 4.13% | 4.40% | 4.76% | 4.68% | 4.86% | 4.81% | 4.57% | 4.69% | +2 bps | |
| Efficiency Ratio | 94.26% | 113.17% | 92.05% | 95.09% | 96.62% | 97.36% | 109.30% | 111.48% | +1,639 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.96% | -7.03% | -9.85% | -9.31% | -7.54% | -6.89% | -5.55% | -7.60% | +171 bps | |
| Loan Growth (YoY) | 4.00% | 3.63% | -1.20% | -1.86% | -1.23% | 1.39% | 6.56% | 16.71% | +1,857 bps | |
| Share Growth (YoY) | -6.02% | -4.33% | -6.88% | -6.23% | -6.48% | -6.10% | -4.85% | -6.79% | -57 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.97% | 1.41% | 1.69% | 1.76% | 2.70% | 2.03% | 1.89% | 0.00% | -176 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.10% | 6.19% | 6.45% | 6.47% | 4.39% | 3.57% | 3.47% | 3.35% | -313 bps | |
| Net Worth / Assets | 7.10% | 6.19% | 6.45% | 6.47% | 4.39% | 3.57% | 3.47% | 3.35% | -313 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.33% | 36.69% | 37.45% | 37.26% | 39.43% | 39.62% | 41.94% | 46.66% | +940 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Baltimore, MD · Charter 24855 · Peer group: credit unions under $1B in assets in the Baltimore-Columbia-Towson, MD area (n=17)
NCUA · 2 branches
Q2 2025
Return on Assets
-0.66%
Rank 17 of 17
Net Interest Margin
4.69%
Rank 3 of 17
Efficiency Ratio
111.45%
Rank 16 of 17
Equity / Assets
3.35%
Rank 17 of 17
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.66% | 0.26% | 0.51% | 0.88% | Beats 0% | 17 / 17 | ||
| Return on Equity | -19.67% | 2.09% | 4.90% | 7.86% | Beats 0% | 17 / 17 | ||
| Net Interest Margin | 4.69% | 3.19% | 3.66% | 3.83% | Beats 82% | 3 / 17 | ||
| Efficiency Ratio | 111.45% | 75.83% | 80.15% | 84.81% | Beats 12% | 16 / 17 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.25% | 0.49% | 1.30% | Beats 100% | 1 / 17 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 3.35% | 10.09% | 11.03% | 12.36% | Beats 0% | 17 / 17 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 3.35% | 10.08% | 11.03% | 12.36% | Beats 0% | 17 / 17 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 46.66% | 47.52% | 68.76% | 75.73% | 18th pctl | 14 / 17 | ||
| Loans / Assets | 45.13% | 44.41% | 63.76% | 66.47% | 29th pctl | 12 / 17 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||