PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

F R B

Washington, DC · Charter 320

NCUA · 2 branches

Q2 2026

$123.4MAssets
$80.0MLoans
$110.9MShares
$11.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.15%, down 23 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 1.41% of loans (+29 bps YoY).
  • Capital: net worth / assets of 9.38%, up 35 bps from a year ago.
  • Funding: loans stand at 72.09% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.15%-23 bps YoY

Net Interest Margin (quarter, annualized)

3.06%+25 bps YoY

Efficiency Ratio (quarter, annualized)

91.55%+342 bps YoY

Net Worth / Assets

9.38%+35 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.04%0.01%0.42%0.38%0.44%0.28%0.23%0.15%-23 bps
Return on Equity-0.45%0.13%4.88%4.26%4.72%3.11%2.48%1.64%-262 bps
Net Interest Margin2.46%2.45%2.65%2.80%2.89%2.83%3.00%3.06%+25 bps
Efficiency Ratio100.17%97.99%86.60%88.13%86.28%87.59%89.43%91.55%+342 bps
Growth
Asset Growth (YoY)-1.84%-0.77%3.24%1.63%-0.43%0.87%-5.13%-2.21%-383 bps
Loan Growth (YoY)-5.27%-6.72%-7.41%-6.00%-5.15%-3.56%-2.67%-3.87%+213 bps
Share Growth (YoY)0.46%0.47%3.32%2.37%2.06%3.01%-2.21%0.57%-180 bps
Asset Quality
Delinquent Loans / Loans0.92%1.01%0.95%1.12%0.97%1.18%1.03%1.41%+29 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 Capital9.04%8.88%8.62%9.03%9.43%9.07%9.30%9.38%+35 bps
Net Worth / Assets9.04%8.88%8.62%9.03%9.43%9.07%9.30%9.38%+35 bps
Liquidity & Funding
Loans / Shares82.66%78.50%73.00%75.42%76.81%73.49%72.66%72.09%-333 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps