Rockville, MD · Charter 619
NCUA · 11 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
3
Profitability
3
Liquidity
0
Efficiency
9
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.
Rockville, MD · Charter 619
NCUA · 11 branches
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 | 0.19% | 0.20% | 0.09% | 0.11% | 0.53% | 0.57% | 0.13% | 0.11% | -1 bps | |
| Return on Equity | 1.34% | 1.47% | 0.69% | 0.86% | 4.19% | 4.73% | 1.05% | 0.85% | -1 bps | |
| Net Interest Margin | 3.26% | 3.38% | 3.19% | 3.31% | 3.08% | 3.11% | 0.91% | 1.29% | -202 bps | |
| Efficiency Ratio | 50.85% | 54.06% | 55.56% | 61.45% | 62.48% | 65.05% | 88.64% | 83.68% | +2,223 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.71% | 2.21% | 0.14% | 0.46% | 5.01% | 7.61% | 5.61% | 3.38% | +292 bps | |
| Loan Growth (YoY) | 10.10% | 1.96% | 1.53% | -3.67% | -4.69% | -4.75% | -41.21% | -35.94% | -3,227 bps | |
| Share Growth (YoY) | 16.29% | 4.23% | 0.09% | 1.53% | 6.37% | 9.68% | 6.42% | 3.39% | +187 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.61% | 1.61% | 1.59% | 1.90% | 1.93% | 2.66% | 3.07% | 2.33% | +43 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 | 13.82% | 13.31% | 13.18% | 13.21% | 12.69% | 12.04% | 12.16% | 12.44% | -77 bps | |
| Net Worth / Assets | 13.82% | 13.31% | 13.18% | 13.21% | 12.69% | 12.04% | 12.16% | 12.44% | -77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.64% | 93.47% | 91.36% | 87.48% | 81.21% | 81.17% | 50.47% | 54.20% | -3,328 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rockville, MD · Charter 619 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
Return on Assets
0.11%
Rank 417 of 435
Net Interest Margin
1.29%
Rank 430 of 435
Efficiency Ratio
83.68%
Rank 396 of 435
Equity / Assets
12.44%
Rank 117 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.11% | 0.55% | 0.81% | 1.14% | Beats 4% | 417 / 435 | ||
| Return on Equity | 0.85% | 5.12% | 7.41% | 9.70% | Beats 4% | 419 / 435 | ||
| Net Interest Margin | 1.29% | 3.01% | 3.39% | 3.75% | Beats 1% | 430 / 435 | ||
| Efficiency Ratio | 83.68% | 65.25% | 71.39% | 77.86% | Beats 9% | 396 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.33% | 0.45% | 0.69% | 1.05% | Beats 3% | 425 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.44% | 9.81% | 10.84% | 12.63% | Beats 73% | 117 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.44% | 9.81% | 10.84% | 12.63% | Beats 73% | 117 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.20% | 78.33% | 88.38% | 95.61% | 4th pctl | 419 / 435 | ||
| Loans / Assets | 46.95% | 67.69% | 74.58% | 80.80% | 4th pctl | 418 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||