Upper Marlboro, MD · Charter 6328
NCUA · 14 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
40
Asset Quality
67
Profitability
41
Liquidity
55
Efficiency
94
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.
Upper Marlboro, MD · Charter 6328
NCUA · 14 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 | 0.57% | 0.67% | 0.87% | 0.59% | 0.87% | +29 bps | |
| Return on Equity | 5.74% | 6.77% | 8.59% | 5.79% | 8.25% | +251 bps | |
| Net Interest Margin | 2.54% | 2.54% | 2.70% | 2.47% | 2.53% | -2 bps | |
| Efficiency Ratio | 54.93% | 53.16% | 50.39% | 60.45% | 55.69% | +76 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.20% | 3.13% | 4.02% | 5.00% | 5.09% | +489 bps | |
| Loan Growth (YoY) | 0.86% | 1.08% | 3.99% | 3.54% | 4.95% | +409 bps | |
| Share Growth (YoY) | 0.62% | 3.53% | 4.15% | 5.42% | 5.34% | +471 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.65% | 0.64% | 0.62% | 0.58% | 0.53% | -12 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 | 9.98% | 9.94% | 10.16% | 10.14% | 10.49% | +51 bps | |
| Net Worth / Assets | 9.98% | 9.94% | 10.16% | 10.14% | 10.49% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.97% | 93.84% | 93.63% | 91.90% | 94.63% | -35 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Upper Marlboro, MD · Charter 6328 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
Return on Assets
0.87%
Rank 194 of 435
Net Interest Margin
2.53%
Rank 396 of 435
Efficiency Ratio
55.69%
Rank 29 of 435
Equity / Assets
10.49%
Rank 260 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.55% | 0.81% | 1.14% | Beats 55% | 194 / 435 | |
| Return on Equity | 8.25% | 5.12% | 7.41% | 9.70% | Beats 59% | 177 / 435 | |
| Net Interest Margin | 2.53% | 3.01% | 3.39% | 3.75% | Beats 9% | 396 / 435 | |
| Efficiency Ratio | 55.69% | 65.25% | 71.39% | 77.86% | Beats 94% | 29 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.53% | 0.45% | 0.69% | 1.05% | Beats 67% | 145 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.49% | 9.81% | 10.84% | 12.63% | Beats 40% | 260 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.49% | 9.81% | 10.84% | 12.63% | Beats 40% | 260 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.63% | 78.33% | 88.38% | 95.61% | 72nd pctl | 122 / 435 | |
| Loans / Assets | 76.04% | 67.69% | 74.58% | 80.80% | 56th pctl | 193 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||