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 | |