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 | |