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Letter portraitLegal landscapeQuarterYTD

Aberdeen Proving Ground

Aberdeen, MD · Charter 2540

NCUA · 15 branches

Q2 2026

$2.7BAssets
$2.3BLoans
$2.4BShares
$249.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.90%, up 26 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.53% of loans (-23 bps YoY).
  • Capital: net worth / assets of 9.26%, up 30 bps from a year ago.
  • Funding: loans stand at 94.54% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.90%+26 bps YoY

Net Interest Margin (quarter, annualized)

3.97%+4 bps YoY

Efficiency Ratio (quarter, annualized)

71.39%+229 bps YoY

Net Worth / Assets

9.26%+30 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.69%0.62%0.64%1.16%0.98%0.48%0.90%+26 bps
Return on Equity4.03%7.67%6.84%7.14%12.49%10.76%5.27%9.76%+263 bps
Net Interest Margin3.53%3.61%3.90%3.92%3.91%3.84%3.95%3.97%+4 bps
Efficiency Ratio73.99%67.50%69.43%69.10%63.32%65.95%75.20%71.39%+229 bps
Growth
Asset Growth (YoY)7.36%4.01%1.73%3.41%7.33%10.62%9.85%9.07%+567 bps
Loan Growth (YoY)11.15%9.82%10.66%9.96%12.37%12.04%11.85%9.65%-31 bps
Share Growth (YoY)7.70%4.14%1.32%3.40%6.55%10.29%9.79%8.41%+502 bps
Asset Quality
Delinquent Loans / Loans0.82%0.94%0.66%0.76%0.73%0.70%0.46%0.53%-23 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 Capital8.68%9.03%8.99%8.95%9.30%9.08%9.07%9.26%+30 bps
Net Worth / Assets8.68%9.03%8.99%8.95%9.30%9.08%9.07%9.26%+30 bps
Liquidity & Funding
Loans / Shares89.94%92.12%93.18%93.48%94.85%93.59%94.92%94.54%+106 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps