PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Money One

Largo, MD · Charter 7264

NCUA · 1 branch

Q2 2026

$105.5MAssets
$75.2MLoans
$87.9MShares
$12.3MNet 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 0.34%, up 40 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 1.06% of loans (-56 bps YoY).
  • Capital: net worth / assets of 11.68%, down 40 bps from a year ago.
  • Funding: loans stand at 85.60% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.34%+40 bps YoY

Net Interest Margin (YTD, annualized)

3.29%-22 bps YoY

Efficiency Ratio (YTD, annualized)

94.08%-913 bps YoY

Net Worth / Assets

11.68%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.06%-0.22%-0.15%0.61%0.34%+40 bps
Return on Equity-0.52%-1.81%-1.17%5.33%2.91%+344 bps
Net Interest Margin3.51%3.55%3.47%3.24%3.29%-22 bps
Efficiency Ratio103.21%102.88%103.43%88.80%94.08%-913 bps
Growth
Asset Growth (YoY)-4.09%-2.62%-5.29%-6.39%-3.45%+64 bps
Loan Growth (YoY)-6.83%-9.34%-3.46%-0.58%-3.76%+308 bps
Share Growth (YoY)-0.05%2.24%-3.59%-5.82%-5.21%-516 bps
Asset Quality
Delinquent Loans / Loans1.63%1.86%1.82%1.09%1.06%-56 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 Capital12.08%12.33%12.43%11.44%11.68%-40 bps
Net Worth / Assets12.08%12.33%12.43%11.44%11.68%-40 bps
Liquidity & Funding
Loans / Shares84.31%84.65%89.80%88.63%85.60%+130 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%100.00%+10,000 bps