Wilmington, DE · Charter 663
NCUA · 1 branch
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 | 0.13% | 0.30% | 0.59% | 0.46% | 0.41% | 0.38% | -0.06% | 0.00% | -46 bps | |
| Return on Equity | 0.75% | 1.71% | 3.37% | 2.57% | 2.31% | 2.16% | -0.34% | -0.01% | -258 bps | |
| Net Interest Margin | 2.86% | 2.98% | 3.03% | 3.17% | 3.13% | 3.20% | 3.14% | 3.12% | -5 bps | |
| Efficiency Ratio | 96.47% | 92.05% | 84.36% | 88.27% | 87.57% | 88.59% | 96.06% | 94.26% | +599 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.51% | -1.48% | -6.05% | -5.23% | 0.10% | 1.62% | -1.69% | 1.90% | +713 bps | |
| Loan Growth (YoY) | 0.40% | -1.53% | 0.33% | -0.88% | -7.36% | -9.67% | -12.25% | -11.31% | -1,043 bps | |
| Share Growth (YoY) | 1.05% | -1.93% | -7.59% | -6.80% | -0.46% | 1.50% | -2.26% | 2.19% | +899 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.76% | 1.41% | 0.98% | 1.23% | 0.92% | 0.82% | 1.10% | +11 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 | 17.19% | 17.60% | 17.43% | 17.81% | 17.66% | 17.68% | 17.93% | 17.62% | -19 bps | |
| Net Worth / Assets | 17.19% | 17.60% | 17.43% | 17.81% | 17.66% | 17.68% | 17.93% | 17.62% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.20% | 48.86% | 47.46% | 48.17% | 44.86% | 43.48% | 42.61% | 41.80% | -637 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |