Baltimore, MD · Charter 66787
NCUA · 10 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 | 0.11% | 0.19% | 0.16% | 0.22% | 0.26% | 0.32% | 0.28% | 0.28% | +6 bps | |
| Return on Equity | 0.87% | 1.51% | 1.30% | 1.71% | 2.01% | 2.46% | 2.23% | 2.16% | +44 bps | |
| Net Interest Margin | 3.37% | 3.35% | 3.46% | 3.58% | 3.63% | 3.66% | 3.66% | 3.69% | +11 bps | |
| Efficiency Ratio | 85.44% | 83.45% | 82.01% | 81.49% | 81.48% | 80.98% | 78.77% | 81.55% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.94% | -3.36% | -2.01% | -0.21% | 0.38% | -0.67% | 0.70% | 1.02% | +122 bps | |
| Loan Growth (YoY) | 1.12% | 0.02% | -1.20% | -1.88% | -0.75% | -1.94% | -1.33% | -0.65% | +123 bps | |
| Share Growth (YoY) | -4.42% | -3.24% | -1.41% | -1.27% | -0.96% | -0.57% | 0.08% | 0.58% | +186 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.74% | 1.75% | 1.46% | 1.59% | 2.29% | 1.73% | 1.30% | 1.66% | +6 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 | 12.60% | 12.49% | 12.47% | 12.63% | 12.85% | 12.89% | 12.72% | 12.84% | +21 bps | |
| Net Worth / Assets | 12.60% | 12.49% | 12.47% | 12.63% | 12.85% | 12.89% | 12.72% | 12.84% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.45% | 79.23% | 76.71% | 76.72% | 77.61% | 78.15% | 75.62% | 75.78% | -95 bps | |
| Liquid Assets / Assets | 0.00% | 97.77% | 0.00% | 0.00% | 0.00% | 99.64% | 0.00% | 0.00% | 0 bps | |