Claymont, DE · Charter 464
NCUA · 3 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 | 0.17% | 0.22% | 0.15% | 0.22% | 0.25% | 0.32% | 0.59% | 0.35% | +13 bps | |
| Return on Equity | 1.64% | 2.05% | 1.42% | 2.12% | 2.45% | 3.18% | 5.84% | 3.36% | +123 bps | |
| Net Interest Margin | 4.40% | 4.37% | 4.31% | 4.28% | 4.44% | 4.23% | 4.54% | 4.57% | +29 bps | |
| Efficiency Ratio | 85.48% | 84.91% | 85.87% | 85.99% | 84.73% | 85.26% | 81.80% | 82.63% | -336 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.06% | -5.87% | -5.31% | 2.47% | 2.90% | 8.89% | 7.43% | 2.16% | -31 bps | |
| Loan Growth (YoY) | -1.59% | -3.04% | -3.18% | -2.87% | -3.44% | 7.00% | 6.08% | 2.75% | +562 bps | |
| Share Growth (YoY) | -9.20% | -6.62% | -6.47% | 2.76% | 2.30% | 9.09% | 7.49% | 1.84% | -92 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.60% | 1.41% | 1.15% | 2.72% | 2.57% | 2.34% | 2.35% | 3.66% | +93 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 | 10.55% | 10.53% | 10.25% | 10.20% | 10.37% | 10.16% | 10.15% | 10.47% | +27 bps | |
| Net Worth / Assets | 10.55% | 10.53% | 10.25% | 10.20% | 10.37% | 10.16% | 10.15% | 10.47% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.90% | 63.66% | 61.36% | 60.75% | 60.31% | 62.44% | 60.55% | 61.30% | +55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |