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Letter portraitLegal landscapeQuarterYTD

Central Credit Union of Maryland, in

Baltimore, MD · Charter 66340

NCUA · 2 branches

Q1 2026

$42.2MAssets
$16.2MLoans
$36.9MShares
$5.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.92%, up 23 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.19% of loans (-15 bps YoY).
  • Capital: net worth / assets of 12.46%, up 93 bps from a year ago.
  • Funding: loans stand at 43.89% of shares as of Q1 2026.

Return on Assets (quarter, annualized)

0.92%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.87%-4 bps YoY

Efficiency Ratio (quarter, annualized)

80.65%-190 bps YoY

Net Worth / Assets

12.46%+93 bps YoY

Discrete quarter, annualized.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.86%0.66%0.69%0.78%0.81%0.71%0.92%+23 bps
Return on Equity7.70%7.36%5.69%6.02%6.66%6.57%5.70%7.41%+140 bps
Net Interest Margin4.03%4.15%4.14%3.92%3.98%4.15%4.17%3.87%-4 bps
Efficiency Ratio81.87%82.78%85.18%82.55%82.74%83.41%85.67%80.65%-190 bps
Growth
Asset Growth (YoY)-6.11%-6.91%-2.84%-2.56%-0.66%-0.97%-1.81%-2.24%+32 bps
Loan Growth (YoY)-2.24%-3.98%-7.73%-11.30%-8.97%-8.49%-8.14%-4.91%+639 bps
Share Growth (YoY)-7.72%-8.54%-3.88%-3.54%-1.66%-1.96%-2.82%-2.99%+55 bps
Asset Quality
Delinquent Loans / Loans0.71%0.23%0.26%0.33%0.25%0.18%0.15%0.19%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.11%11.64%11.58%11.53%11.70%12.28%12.41%12.46%+93 bps
Net Worth / Assets11.11%11.64%11.58%11.53%11.70%12.28%12.41%12.46%+93 bps
Liquidity & Funding
Loans / Shares48.42%49.60%48.40%44.78%44.82%46.30%45.76%43.89%-89 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps