Hunt Valley, MD · Charter 66585
NCUA · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
80
Asset Quality
88
Profitability
22
Liquidity
64
Efficiency
6
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hunt Valley, MD · Charter 66585
NCUA · 5 branches
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 | 0.26% | 0.18% | 0.41% | 0.51% | 0.50% | 0.51% | 0.49% | 0.42% | -9 bps | |
| Return on Equity | 1.86% | 1.38% | 3.06% | 3.81% | 3.71% | 3.78% | 3.70% | 3.19% | -62 bps | |
| Net Interest Margin | 2.79% | 2.78% | 3.14% | 3.19% | 3.23% | 3.24% | 3.27% | 3.20% | +1 bps | |
| Efficiency Ratio | 89.66% | 90.92% | 82.03% | 81.52% | 82.32% | 82.75% | 83.90% | 85.81% | +428 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.78% | 3.07% | 1.40% | 3.90% | 3.98% | 1.84% | 4.72% | 9.72% | +582 bps | |
| Loan Growth (YoY) | 8.09% | 8.38% | 6.46% | 8.30% | 8.30% | 7.61% | 7.52% | 8.67% | +37 bps | |
| Share Growth (YoY) | 1.06% | 3.89% | 2.90% | 5.75% | 4.54% | 1.81% | 4.81% | 9.92% | +417 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.55% | 0.43% | 0.44% | 0.45% | 0.43% | 0.27% | 0.32% | -12 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 | 13.73% | 13.32% | 13.35% | 13.34% | 13.57% | 13.59% | 13.26% | 13.18% | -16 bps | |
| Net Worth / Assets | 13.73% | 13.32% | 13.35% | 13.34% | 13.57% | 13.59% | 13.26% | 13.18% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.09% | 78.99% | 78.61% | 80.71% | 82.98% | 83.48% | 80.64% | 79.79% | -92 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hunt Valley, MD · Charter 66585 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 5 branches
Q2 2026
Return on Assets
0.42%
Rank 361 of 435
Net Interest Margin
3.20%
Rank 274 of 435
Efficiency Ratio
85.80%
Rank 411 of 435
Equity / Assets
13.18%
Rank 85 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.42% | 0.55% | 0.81% | 1.14% | Beats 17% | 361 / 435 | ||
| Return on Equity | 3.19% | 5.12% | 7.41% | 9.70% | Beats 12% | 382 / 435 | ||
| Net Interest Margin | 3.20% | 3.01% | 3.39% | 3.75% | Beats 37% | 274 / 435 | ||
| Efficiency Ratio | 85.80% | 65.25% | 71.39% | 77.86% | Beats 6% | 411 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.32% | 0.45% | 0.69% | 1.05% | Beats 88% | 54 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.18% | 9.81% | 10.84% | 12.63% | Beats 80% | 85 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.18% | 9.81% | 10.84% | 12.63% | Beats 80% | 85 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.79% | 78.33% | 88.38% | 95.61% | 28th pctl | 312 / 435 | ||
| Loans / Assets | 68.67% | 67.69% | 74.58% | 80.80% | 28th pctl | 315 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||