Linthicum, MD · Charter 66330
NCUA · 27 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% | 0.63% | 0.72% | 0.75% | 0.84% | +27 bps | |
| Return on Equity | 5.64% | 6.26% | 7.11% | 7.20% | 8.02% | +238 bps | |
| Net Interest Margin | 2.98% | 3.02% | 2.98% | 3.05% | 3.04% | +6 bps | |
| Efficiency Ratio | 75.20% | 74.50% | 72.29% | 74.23% | 72.91% | -229 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.39% | -0.22% | 5.55% | 2.70% | 3.45% | +306 bps | |
| Loan Growth (YoY) | 8.62% | 6.44% | 3.88% | 2.38% | 1.76% | -686 bps | |
| Share Growth (YoY) | 4.10% | 2.12% | 3.15% | 3.86% | 6.13% | +202 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 0.69% | 0.67% | 0.54% | 0.86% | +24 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 | 10.02% | 10.13% | 10.11% | 10.38% | 10.43% | +40 bps | |
| Net Worth / Assets | 10.02% | 10.13% | 10.11% | 10.38% | 10.43% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.43% | 95.42% | 92.93% | 89.95% | 90.54% | -389 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |