Kensington, MD · Charter 5571
NCUA · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60 to 61). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
72
Profitability
28
Liquidity
0
Efficiency
12
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Kensington, MD · Charter 5571
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.27% | -0.06% | 0.82% | -0.12% | -0.14% | +13 bps | |
| Return on Equity | -3.01% | -0.69% | 8.92% | -1.31% | -1.52% | +149 bps | |
| Net Interest Margin | 3.11% | 3.23% | 3.18% | 3.44% | 3.53% | +42 bps | |
| Efficiency Ratio | 106.94% | 101.55% | 83.89% | 102.78% | 103.15% | -379 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.01% | -9.58% | -2.83% | -5.82% | -3.05% | +495 bps | |
| Loan Growth (YoY) | -7.07% | -6.16% | -3.03% | -1.42% | 1.38% | +845 bps | |
| Share Growth (YoY) | -7.62% | -9.66% | -5.03% | -0.94% | 0.98% | +860 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.44% | 0.74% | 0.41% | 0.53% | +1 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.05% | 9.21% | 9.17% | 9.44% | 9.34% | +29 bps | |
| Net Worth / Assets | 9.05% | 9.21% | 9.17% | 9.44% | 9.34% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.44% | 93.38% | 90.76% | 86.14% | 89.79% | +35 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kensington, MD · Charter 5571 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)
NCUA · 4 branches
Q2 2026
Return on Assets
-0.14%
Rank 49 of 61
Net Interest Margin
3.53%
Rank 32 of 61
Efficiency Ratio
103.14%
Rank 54 of 60
Equity / Assets
9.34%
Rank 47 of 61
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | -0.02% | 0.37% | 0.88% | Beats 20% | 49 / 61 | |
| Return on Equity | -1.52% | -0.25% | 2.65% | 5.53% | Beats 16% | 51 / 61 | |
| Net Interest Margin | 3.53% | 3.07% | 3.57% | 4.09% | Beats 48% | 32 / 61 | |
| Efficiency Ratio | 103.14% | 71.78% | 87.58% | 95.00% | Beats 12% | 54 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.53% | 0.44% | 1.06% | 1.85% | Beats 72% | 18 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.34% | 9.78% | 12.37% | 17.30% | Beats 23% | 47 / 61 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.34% | 9.78% | 12.37% | 17.30% | Beats 23% | 47 / 61 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.79% | 37.27% | 62.33% | 76.91% | 89th pctl | 7 / 61 | |
| Loans / Assets | 80.21% | 30.13% | 54.75% | 64.37% | 93rd pctl | 4 / 61 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||