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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |