Hunt Valley, MD · Charter 66585
NCUA · 5 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 | 0.26% | 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 | |