PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Government Printing Office

Washington, DC · Charter 538

NCUA · 1 branch

Q2 2026

$29.3MAssets
$13.7MLoans
$26.7MShares
$2.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.09%, down 59 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 0.75% of loans (+19 bps YoY).
  • Capital: net worth / assets of 8.72%, up 20 bps from a year ago.
  • Funding: loans stand at 51.32% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.09%-59 bps YoY

Net Interest Margin (YTD, annualized)

4.27%+26 bps YoY

Efficiency Ratio (YTD, annualized)

93.33%+357 bps YoY

Net Worth / Assets

8.72%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.05%0.06%0.34%0.69%0.70%0.56%-0.21%0.09%-59 bps
Return on Equity0.64%0.71%4.17%8.08%8.14%6.43%-2.49%1.07%-701 bps
Net Interest Margin4.13%4.24%3.92%4.00%4.07%4.07%4.03%4.27%+26 bps
Efficiency Ratio97.36%97.86%93.70%89.76%88.55%89.46%96.80%93.33%+357 bps
Growth
Asset Growth (YoY)-3.30%-2.89%2.83%4.17%5.70%7.28%2.83%0.57%-359 bps
Loan Growth (YoY)-7.40%-9.18%-7.09%-5.02%-8.23%-8.64%-10.25%-10.12%-510 bps
Share Growth (YoY)-3.70%-3.45%2.62%3.80%5.46%5.60%0.44%0.60%-320 bps
Asset Quality
Delinquent Loans / Loans0.07%0.05%0.23%0.55%0.61%0.52%0.67%0.75%+19 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 Capital8.58%8.68%8.26%8.52%8.65%8.64%8.43%8.72%+20 bps
Net Worth / Assets8.58%8.68%8.26%8.52%8.65%8.64%8.43%8.72%+20 bps
Liquidity & Funding
Loans / Shares60.85%61.94%58.60%57.44%52.95%53.59%52.37%51.32%-612 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps