Bloomington, MD · Charter 6685
NCUA · 7 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.54% | 1.59% | 1.44% | 1.69% | 1.65% | +11 bps | |
| Return on Equity | 10.45% | 10.30% | 9.40% | 11.15% | 10.69% | +24 bps | |
| Net Interest Margin | 4.15% | 4.30% | 4.29% | 4.00% | 4.07% | -8 bps | |
| Efficiency Ratio | 54.84% | 55.76% | 59.90% | 61.81% | 61.35% | +651 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.71% | 1.33% | 1.78% | 3.46% | 4.13% | -257 bps | |
| Loan Growth (YoY) | -3.53% | -2.12% | -3.49% | -1.66% | 1.97% | +550 bps | |
| Share Growth (YoY) | 5.82% | -0.12% | 0.42% | 2.74% | 3.47% | -235 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.15% | 0.84% | 1.13% | 0.84% | 0.98% | -17 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.73% | 15.40% | 15.36% | 15.13% | 15.46% | +72 bps | |
| Net Worth / Assets | 14.73% | 15.40% | 15.36% | 15.13% | 15.46% | +72 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.72% | 79.94% | 79.51% | 75.31% | 76.59% | -113 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |