Bel Air, MD · Charter 68639
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
23
Profitability
49
Liquidity
76
Efficiency
45
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Bel Air, MD · Charter 68639
NCUA · 3 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 | 0.65% | 0.65% | 0.70% | 0.72% | 0.74% | 0.72% | 0.51% | 0.64% | -8 bps | |
| Return on Equity | 6.98% | 7.03% | 7.72% | 7.86% | 7.62% | 7.52% | 5.47% | 6.84% | -102 bps | |
| Net Interest Margin | 3.85% | 3.76% | 3.64% | 3.78% | 3.96% | 3.88% | 3.70% | 3.74% | -4 bps | |
| Efficiency Ratio | 79.22% | 78.97% | 80.85% | 79.63% | 79.49% | 79.33% | 79.47% | 79.97% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.47% | 5.18% | 6.44% | 6.35% | 4.81% | 4.35% | 5.00% | 4.88% | -147 bps | |
| Loan Growth (YoY) | 6.35% | 5.58% | 5.57% | 3.48% | 1.98% | 4.40% | 4.87% | 3.81% | +33 bps | |
| Share Growth (YoY) | 2.05% | 5.25% | 6.33% | 6.18% | 4.59% | 3.91% | 4.96% | 5.11% | -107 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.76% | 0.26% | 0.96% | 1.09% | 0.98% | 0.54% | 1.43% | +47 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 | 9.36% | 9.25% | 9.04% | 9.19% | 9.65% | 9.58% | 9.25% | 9.42% | +23 bps | |
| Net Worth / Assets | 9.36% | 9.25% | 9.04% | 9.19% | 9.65% | 9.58% | 9.25% | 9.42% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.22% | 77.86% | 74.47% | 75.73% | 79.19% | 78.23% | 74.40% | 74.79% | -94 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 97.83% | 0.00% | 0.00% | 0 bps | |
Bel Air, MD · Charter 68639 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.64%
Rank 957 of 1,683
Net Interest Margin
3.74%
Rank 911 of 1,683
Efficiency Ratio
79.97%
Rank 934 of 1,682
Equity / Assets
9.42%
Rank 1,445 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.64% | 0.35% | 0.74% | 1.18% | Beats 43% | 957 / 1,683 | n/a | |
| Return on Equity | 6.84% | 2.67% | 5.89% | 8.74% | Beats 59% | 682 / 1,681 | n/a | |
| Net Interest Margin | 3.74% | 3.31% | 3.82% | 4.32% | Beats 46% | 911 / 1,683 | n/a | |
| Efficiency Ratio | 79.97% | 68.91% | 78.20% | 86.93% | Beats 45% | 934 / 1,682 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.43% | 0.26% | 0.65% | 1.29% | Beats 23% | 1,303 / 1,682 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.42% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,445 / 1,683 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.42% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,445 / 1,683 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.79% | 52.61% | 69.38% | 83.50% | 60th pctl | 678 / 1,683 | n/a | |
| Loans / Assets | 67.14% | 44.71% | 59.18% | 70.72% | 67th pctl | 554 / 1,683 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||