Rockville, MD · Charter 619
NCUA · 11 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.53% | 0.57% | 0.13% | 0.11% | -1 bps | |
| Return on Equity | 0.86% | 4.19% | 4.73% | 1.05% | 0.85% | -1 bps | |
| Net Interest Margin | 3.31% | 3.08% | 3.11% | 0.91% | 1.29% | -202 bps | |
| Efficiency Ratio | 61.45% | 62.48% | 65.05% | 88.64% | 83.68% | +2,223 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.46% | 5.01% | 7.61% | 5.61% | 3.38% | +292 bps | |
| Loan Growth (YoY) | -3.67% | -4.69% | -4.75% | -41.21% | -35.94% | -3,227 bps | |
| Share Growth (YoY) | 1.53% | 6.37% | 9.68% | 6.42% | 3.39% | +187 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.21% | 12.69% | 12.04% | 12.16% | 12.44% | -77 bps | |
| Net Worth / Assets | 13.21% | 12.69% | 12.04% | 12.16% | 12.44% | -77 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |