Washington, DC · Charter 367
NCUA · 2 branches
Q2 2026
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 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.98% | -0.56% | 0.01% | -0.06% | 0.82% | 0.06% | -2.01% | -1.74% | -167 bps | |
| Return on Equity | -11.33% | -6.59% | 0.17% | -0.79% | 9.15% | 0.74% | -25.42% | -22.66% | -2,188 bps | |
| Net Interest Margin | 3.51% | 3.89% | 3.57% | 3.40% | 3.78% | 3.16% | 3.03% | 3.10% | -30 bps | |
| Efficiency Ratio | 117.45% | 106.06% | 109.72% | 105.04% | 88.35% | 100.59% | 152.31% | 129.48% | +2,445 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.24% | -2.58% | -0.65% | 2.55% | 1.03% | 0.54% | -2.27% | -5.12% | -767 bps | |
| Loan Growth (YoY) | 9.68% | 11.83% | 20.49% | 28.19% | 10.43% | 11.56% | 23.67% | 15.32% | -1,287 bps | |
| Share Growth (YoY) | -5.75% | -1.77% | -0.07% | 2.44% | 3.30% | 2.86% | 0.20% | -3.38% | -582 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 2.37% | 2.45% | 3.74% | 5.32% | 5.88% | 7.32% | 8.42% | +468 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 | 8.64% | 8.57% | 8.24% | 8.07% | 8.97% | 8.52% | 7.91% | 7.66% | -40 bps | |
| Net Worth / Assets | 8.64% | 8.57% | 8.24% | 8.07% | 8.97% | 8.52% | 7.91% | 7.66% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.45% | 25.02% | 24.53% | 26.68% | 26.14% | 27.13% | 30.27% | 31.84% | +516 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |