PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Census

Suitland, MD · Charter 5641

NCUA · 2 branches

Q2 2026

$48.9MAssets
$11.2MLoans
$39.2MShares
$10.1MNet 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 1.19%, up 76 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.38% of loans (-35 bps YoY).
  • Capital: net worth / assets of 20.62%, up 160 bps from a year ago.
  • Funding: loans stand at 28.53% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.19%+76 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+100 bps YoY

Efficiency Ratio (YTD, annualized)

67.62%-1,648 bps YoY

Net Worth / Assets

20.62%+160 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.35%0.49%1.06%1.19%+76 bps
Return on Equity2.26%1.84%2.48%5.29%5.75%+350 bps
Net Interest Margin2.39%2.51%2.66%3.23%3.39%+100 bps
Efficiency Ratio84.09%87.40%83.40%69.56%67.62%-1,648 bps
Growth
Asset Growth (YoY)-0.11%-0.77%-1.81%-4.30%-3.70%-359 bps
Loan Growth (YoY)-5.53%-1.98%-4.72%-10.39%-8.79%-326 bps
Share Growth (YoY)-3.41%-3.23%-4.89%-6.81%-5.73%-232 bps
Asset Quality
Delinquent Loans / Loans0.73%0.36%0.21%1.66%0.38%-35 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 Capital19.02%19.29%19.72%20.00%20.62%+160 bps
Net Worth / Assets19.02%19.29%19.72%20.00%20.62%+160 bps
Liquidity & Funding
Loans / Shares29.49%29.77%29.20%27.53%28.53%-96 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps