PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Act 1st

LaVale, MD · Charter 6679

NCUA · 3 branches

Q2 2026

$149.7MAssets
$108.5MLoans
$137.2MShares
$12.1MNet 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 0.74%, up 35 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 1.53% of loans (+13 bps YoY).
  • Capital: net worth / assets of 8.07%, up 72 bps from a year ago.
  • Funding: loans stand at 79.13% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.92%+12 bps YoY

Efficiency Ratio (YTD, annualized)

73.64%+47 bps YoY

Net Worth / Assets

8.07%+72 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.75%0.73%0.47%0.74%+35 bps
Return on Equity5.35%9.54%9.26%6.00%9.23%+388 bps
Net Interest Margin3.80%4.00%3.99%3.88%3.92%+12 bps
Efficiency Ratio73.17%70.83%70.96%75.24%73.64%+47 bps
Growth
Asset Growth (YoY)2.79%0.31%2.08%4.13%2.35%-44 bps
Loan Growth (YoY)-1.66%-2.39%-2.71%-2.02%-0.11%+155 bps
Share Growth (YoY)2.51%-0.53%1.61%3.31%1.48%-103 bps
Asset Quality
Delinquent Loans / Loans1.40%1.24%1.60%1.02%1.53%+13 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 Capital7.34%7.83%7.93%7.78%8.07%+72 bps
Net Worth / Assets7.34%7.83%7.93%7.78%8.07%+72 bps
Liquidity & Funding
Loans / Shares80.39%81.47%79.74%76.88%79.13%-126 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps