PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Point Breeze

Hunt Valley, MD · Charter 66585

NCUA · 5 branches

Q2 2026

$1.1BAssets
$729.4MLoans
$914.1MShares
$140.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.42%, down 9 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.32% of loans (-12 bps YoY).
  • Capital: net worth / assets of 13.18%, down 16 bps from a year ago.
  • Funding: loans stand at 79.79% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.42%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+1 bps YoY

Efficiency Ratio (YTD, annualized)

85.81%+428 bps YoY

Net Worth / Assets

13.18%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.50%0.51%0.49%0.42%-9 bps
Return on Equity3.81%3.71%3.78%3.70%3.19%-62 bps
Net Interest Margin3.19%3.23%3.24%3.27%3.20%+1 bps
Efficiency Ratio81.52%82.32%82.75%83.90%85.81%+428 bps
Growth
Asset Growth (YoY)3.90%3.98%1.84%4.72%9.72%+582 bps
Loan Growth (YoY)8.30%8.30%7.61%7.52%8.67%+37 bps
Share Growth (YoY)5.75%4.54%1.81%4.81%9.92%+417 bps
Asset Quality
Delinquent Loans / Loans0.44%0.45%0.43%0.27%0.32%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.34%13.57%13.59%13.26%13.18%-16 bps
Net Worth / Assets13.34%13.57%13.59%13.26%13.18%-16 bps
Liquidity & Funding
Loans / Shares80.71%82.98%83.48%80.64%79.79%-92 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps