PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Patent and Trademark Office

Alexandria, VA · Charter 4936

NCUA · 1 branch

Q2 2026

$40.1MAssets
$18.4MLoans
$37.1MShares
$2.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.37%, down 30 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 2.59% of loans (+123 bps YoY).
  • Capital: net worth / assets of 7.09%, down 10 bps from a year ago.
  • Funding: loans stand at 49.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.57%0 bps YoY

Efficiency Ratio (YTD, annualized)

89.39%+573 bps YoY

Net Worth / Assets

7.09%-10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.63%0.59%0.59%0.37%-30 bps
Return on Equity9.34%8.67%7.99%8.49%5.29%-405 bps
Net Interest Margin3.57%3.60%3.67%3.54%3.57%0 bps
Efficiency Ratio83.66%84.68%84.25%84.01%89.39%+573 bps
Growth
Asset Growth (YoY)0.50%-0.87%-0.06%0.12%0.78%+28 bps
Loan Growth (YoY)13.32%4.50%-10.48%-19.75%-20.23%-3,355 bps
Share Growth (YoY)0.55%-1.29%-0.75%-0.12%0.29%-26 bps
Asset Quality
Delinquent Loans / Loans1.36%2.07%3.55%2.69%2.59%+123 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.19%7.29%7.33%6.97%7.09%-10 bps
Net Worth / Assets7.19%7.29%7.33%6.97%7.09%-10 bps
Liquidity & Funding
Loans / Shares62.29%59.40%55.42%50.33%49.55%-1,274 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps