PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank Fund Staff

Washington, DC · Charter 5582

NCUA · 4 branches

Q2 2026

$7.1BAssets
$3.8BLoans
$6.1BShares
$963.0MNet 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 1.02%, up 29 bps year over year; NIM at 2.47%.
  • Asset quality: problem loans at 0.42% of loans (+2 bps YoY).
  • Capital: net worth / assets of 13.64%, up 28 bps from a year ago.
  • Funding: loans stand at 62.83% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.02%+29 bps YoY

Net Interest Margin (quarter, annualized)

2.47%+32 bps YoY

Efficiency Ratio (quarter, annualized)

61.30%-761 bps YoY

Net Worth / Assets

13.64%+28 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.78%0.80%0.95%1.02%+29 bps
Return on Equity5.50%5.79%6.02%7.07%7.50%+201 bps
Net Interest Margin2.15%2.18%2.18%2.42%2.47%+32 bps
Efficiency Ratio68.92%67.16%66.53%62.51%61.30%-761 bps
Growth
Asset Growth (YoY)6.36%5.51%6.92%5.86%5.30%-106 bps
Loan Growth (YoY)0.95%0.34%2.02%2.47%2.94%+199 bps
Share Growth (YoY)5.09%4.92%5.48%5.01%4.85%-24 bps
Asset Quality
Delinquent Loans / Loans0.41%0.37%0.39%0.24%0.42%+2 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 Capital13.36%13.42%13.28%13.36%13.64%+28 bps
Net Worth / Assets13.36%13.42%13.28%13.36%13.64%+28 bps
Liquidity & Funding
Loans / Shares63.99%63.33%62.68%62.16%62.83%-117 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps