Largo, MD · Charter 7264
NCUA · 1 branch
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 | 0.35% | 0.32% | 0.00% | -0.06% | -0.22% | -0.15% | 0.61% | 0.34% | +40 bps | |
| Return on Equity | 2.91% | 2.73% | 0.02% | -0.52% | -1.81% | -1.17% | 5.33% | 2.91% | +344 bps | |
| Net Interest Margin | 3.84% | 3.71% | 3.21% | 3.51% | 3.55% | 3.47% | 3.24% | 3.29% | -22 bps | |
| Efficiency Ratio | 90.77% | 91.73% | 101.16% | 103.21% | 102.88% | 103.43% | 88.80% | 94.08% | -913 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.72% | -7.50% | -4.40% | -4.09% | -2.62% | -5.29% | -6.39% | -3.45% | +64 bps | |
| Loan Growth (YoY) | -5.96% | -10.45% | -12.39% | -6.83% | -9.34% | -3.46% | -0.58% | -3.76% | +308 bps | |
| Share Growth (YoY) | -6.08% | -1.82% | -1.05% | -0.05% | 2.24% | -3.59% | -5.82% | -5.21% | -516 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.84% | 1.52% | 1.03% | 1.63% | 1.86% | 1.82% | 1.09% | 1.06% | -56 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 | 11.99% | 11.77% | 11.52% | 12.08% | 12.33% | 12.43% | 11.44% | 11.68% | -40 bps | |
| Net Worth / Assets | 11.99% | 11.77% | 11.52% | 12.08% | 12.33% | 12.43% | 11.44% | 11.68% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.46% | 89.68% | 83.95% | 84.31% | 84.65% | 89.80% | 88.63% | 85.60% | +130 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 100.00% | +10,000 bps | |