Baltimore, MD · Charter 6039
NCUA · 1 branch
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
83
Profitability
76
Liquidity
51
Efficiency
80
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.
Baltimore, MD · Charter 6039
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.74% | 1.66% | 1.53% | 1.59% | 1.58% | 1.59% | 1.50% | 1.41% | -18 bps | |
| Return on Equity | 16.56% | 15.67% | 14.49% | 14.46% | 13.76% | 13.34% | 12.69% | 11.39% | -308 bps | |
| Net Interest Margin | 4.10% | 3.98% | 3.76% | 3.84% | 3.92% | 3.97% | 3.75% | 3.90% | +6 bps | |
| Efficiency Ratio | 59.22% | 60.11% | 61.52% | 61.12% | 62.37% | 62.41% | 62.25% | 66.28% | +515 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.56% | 10.55% | 6.50% | 6.03% | 5.68% | 2.36% | 2.71% | -0.09% | -612 bps | |
| Loan Growth (YoY) | 4.76% | 6.50% | 6.94% | 9.23% | 10.21% | 8.46% | 9.30% | 6.94% | -230 bps | |
| Share Growth (YoY) | 4.18% | 10.09% | 5.55% | 5.01% | 4.55% | 0.77% | 1.32% | -1.97% | -698 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.19% | 0.11% | 0.10% | 0.22% | 0.12% | 0.07% | 0.14% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.50% | 10.61% | 10.58% | 11.01% | 11.48% | 11.95% | 11.82% | 12.40% | +139 bps | |
| Net Worth / Assets | 10.50% | 10.61% | 10.58% | 11.01% | 11.48% | 11.95% | 11.82% | 12.40% | +139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.25% | 73.85% | 70.32% | 73.72% | 77.21% | 79.49% | 75.86% | 80.42% | +669 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Baltimore, MD · Charter 6039 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.41%
Rank 287 of 1,683
Net Interest Margin
3.90%
Rank 765 of 1,683
Efficiency Ratio
66.27%
Rank 339 of 1,682
Equity / Assets
12.40%
Rank 932 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.41% | 0.35% | 0.74% | 1.18% | Beats 83% | 287 / 1,683 | n/a | |
| Return on Equity | 11.39% | 2.67% | 5.89% | 8.74% | Beats 90% | 173 / 1,681 | n/a | |
| Net Interest Margin | 3.90% | 3.31% | 3.82% | 4.32% | Beats 55% | 765 / 1,683 | n/a | |
| Efficiency Ratio | 66.27% | 68.91% | 78.20% | 86.93% | Beats 80% | 339 / 1,682 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.26% | 0.65% | 1.29% | Beats 83% | 286 / 1,682 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.40% | 10.44% | 12.89% | 16.53% | Beats 45% | 932 / 1,683 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.40% | 10.44% | 12.89% | 16.53% | Beats 45% | 932 / 1,683 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.42% | 52.61% | 69.38% | 83.50% | 70th pctl | 504 / 1,683 | n/a | |
| Loans / Assets | 69.95% | 44.71% | 59.18% | 70.72% | 73rd pctl | 446 / 1,683 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||