Hagerstown, MD · Charter 6353
NCUA · 3 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 | 1.38% | 1.26% | 0.63% | 0.92% | 1.03% | 1.04% | 1.16% | 1.18% | +26 bps | |
| Return on Equity | 9.06% | 8.26% | 4.24% | 6.13% | 6.85% | 6.78% | 7.67% | 7.69% | +156 bps | |
| Net Interest Margin | 2.59% | 2.49% | 2.01% | 2.23% | 2.34% | 2.36% | 2.42% | 2.45% | +22 bps | |
| Efficiency Ratio | 53.01% | 55.09% | 71.44% | 62.25% | 59.20% | 59.08% | 55.64% | 55.33% | -692 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.57% | 1.72% | 4.57% | 5.76% | 8.54% | 6.39% | 6.60% | 5.57% | -19 bps | |
| Loan Growth (YoY) | 2.77% | 2.89% | 1.86% | 2.19% | 0.95% | -0.06% | -0.64% | -0.61% | -280 bps | |
| Share Growth (YoY) | -1.11% | 0.53% | 3.97% | 5.38% | 9.02% | 6.22% | 6.47% | 5.30% | -8 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.29% | 0.14% | 0.13% | 0.40% | 0.15% | 0.09% | 0.15% | +2 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 | 15.23% | 15.25% | 14.88% | 14.96% | 15.03% | 15.37% | 15.11% | 15.33% | +37 bps | |
| Net Worth / Assets | 15.23% | 15.25% | 14.88% | 14.96% | 15.03% | 15.37% | 15.11% | 15.33% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.80% | 42.16% | 40.39% | 40.00% | 39.63% | 39.67% | 37.70% | 37.76% | -225 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |