Baltimore, MD · Charter 66340
NCUA · 2 branches
Q1 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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.78% | 0.81% | 0.71% | 0.92% | +23 bps | |
| Return on Equity | 6.02% | 6.66% | 6.57% | 5.70% | 7.41% | +140 bps | |
| Net Interest Margin | 3.92% | 3.98% | 4.15% | 4.17% | 3.87% | -4 bps | |
| Efficiency Ratio | 82.55% | 82.74% | 83.41% | 85.67% | 80.65% | -190 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.56% | -0.66% | -0.97% | -1.81% | -2.24% | +32 bps | |
| Loan Growth (YoY) | -11.30% | -8.97% | -8.49% | -8.14% | -4.91% | +639 bps | |
| Share Growth (YoY) | -3.54% | -1.66% | -1.96% | -2.82% | -2.99% | +55 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.25% | 0.18% | 0.15% | 0.19% | -15 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 | 11.53% | 11.70% | 12.28% | 12.41% | 12.46% | +93 bps | |
| Net Worth / Assets | 11.53% | 11.70% | 12.28% | 12.41% | 12.46% | +93 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.78% | 44.82% | 46.30% | 45.76% | 43.89% | -89 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |