Baltimore, MD · Charter 66333
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.13% | -0.05% | 0.34% | 0.41% | 0.42% | 0.32% | 0.36% | +3 bps | |
| Return on Equity | 1.65% | 0.93% | -0.34% | 2.52% | 2.99% | 3.02% | 2.35% | 2.64% | +12 bps | |
| Net Interest Margin | 3.04% | 3.15% | 3.15% | 3.16% | 3.27% | 3.32% | 3.21% | 3.29% | +13 bps | |
| Efficiency Ratio | 93.27% | 93.33% | 93.79% | 87.53% | 87.20% | 87.19% | 91.14% | 90.30% | +277 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.37% | -1.91% | -1.87% | -0.30% | -0.16% | 0.87% | 0.26% | -0.21% | +9 bps | |
| Loan Growth (YoY) | -5.04% | -5.17% | -5.92% | -6.60% | -6.90% | -6.03% | -5.45% | -6.15% | +45 bps | |
| Share Growth (YoY) | -3.41% | -3.68% | -3.32% | -1.74% | -1.04% | -0.02% | -0.43% | -0.23% | +151 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.36% | 1.17% | 0.91% | 0.34% | 1.30% | 0.35% | 0.31% | 0.48% | +14 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 | 13.47% | 13.62% | 13.40% | 13.38% | 13.68% | 13.84% | 13.79% | 13.76% | +37 bps | |
| Net Worth / Assets | 13.47% | 13.62% | 13.40% | 13.38% | 13.68% | 13.84% | 13.79% | 13.76% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.65% | 54.35% | 52.68% | 51.18% | 50.47% | 51.08% | 50.03% | 48.14% | -304 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |