Baltimore, MD · Charter 24855
NCUA · 2 branches
Q2 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |