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Har-Co

Bel Air, MD · Charter 68639

NCUA · 3 branches

Q2 2026

$286.4MAssets
$192.3MLoans
$257.1MShares
$27.0MNet 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 0.64%, down 8 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 1.43% of loans (+47 bps YoY).
  • Capital: net worth / assets of 9.42%, up 23 bps from a year ago.
  • Funding: loans stand at 74.79% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.64%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.74%-4 bps YoY

Efficiency Ratio (YTD, annualized)

79.97%+33 bps YoY

Net Worth / Assets

9.42%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.74%0.72%0.51%0.64%-8 bps
Return on Equity7.86%7.62%7.52%5.47%6.84%-102 bps
Net Interest Margin3.78%3.96%3.88%3.70%3.74%-4 bps
Efficiency Ratio79.63%79.49%79.33%79.47%79.97%+33 bps
Growth
Asset Growth (YoY)6.35%4.81%4.35%5.00%4.88%-147 bps
Loan Growth (YoY)3.48%1.98%4.40%4.87%3.81%+33 bps
Share Growth (YoY)6.18%4.59%3.91%4.96%5.11%-107 bps
Asset Quality
Delinquent Loans / Loans0.96%1.09%0.98%0.54%1.43%+47 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 Capital9.19%9.65%9.58%9.25%9.42%+23 bps
Net Worth / Assets9.19%9.65%9.58%9.25%9.42%+23 bps
Liquidity & Funding
Loans / Shares75.73%79.19%78.23%74.40%74.79%-94 bps
Liquid Assets / Assets0.00%0.00%97.83%0.00%0.00%0 bps