PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Signal Financial

Kensington, MD · Charter 5571

NCUA · 4 branches

Q2 2026

$363.9MAssets
$291.9MLoans
$325.0MShares
$34.0MNet 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 -0.14%, up 13 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.53% of loans (+1 bps YoY).
  • Capital: net worth / assets of 9.34%, up 29 bps from a year ago.
  • Funding: loans stand at 89.79% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.14%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+42 bps YoY

Efficiency Ratio (YTD, annualized)

103.15%-379 bps YoY

Net Worth / Assets

9.34%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin3.11%3.23%3.18%3.44%3.53%+42 bps
Efficiency Ratio106.94%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 / Loans0.52%0.44%0.74%0.41%0.53%+1 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 Capital9.05%9.21%9.17%9.44%9.34%+29 bps
Net Worth / Assets9.05%9.21%9.17%9.44%9.34%+29 bps
Liquidity & Funding
Loans / Shares89.44%93.38%90.76%86.14%89.79%+35 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps