LM
Baltimore, MD · Charter 6039 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$60.3MAssets
$42.2MLoans
$52.5MShares
$7.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 90% of credit unions under $1B in assets (rank 173 of 1681).
- Widest gap: equity / assets trails 55% of credit unions under $1B in assets (rank 932 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |