Gaithersburg, MD · Charter 8001
NCUA · 1 branch
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
16
Asset Quality
5
Profitability
32
Liquidity
0
Efficiency
3
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.
Gaithersburg, MD · Charter 8001
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 | -0.08% | -0.17% | -0.02% | -0.89% | -0.97% | -0.12% | -0.78% | -0.99% | -9 bps | |
| Return on Equity | -0.78% | -1.65% | -0.17% | -8.99% | -10.35% | -1.22% | -8.09% | -10.34% | -134 bps | |
| Net Interest Margin | 5.46% | 5.40% | 5.14% | 5.08% | 4.98% | 5.11% | 4.78% | 4.86% | -22 bps | |
| Efficiency Ratio | 101.43% | 104.12% | 102.36% | 104.89% | 103.36% | 102.51% | 115.36% | 119.58% | +1,469 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.34% | -7.64% | -7.48% | -4.99% | 2.21% | 1.85% | 3.09% | 2.18% | +716 bps | |
| Loan Growth (YoY) | -12.46% | -17.59% | -17.41% | -19.02% | -16.41% | -18.16% | -15.17% | -18.61% | +41 bps | |
| Share Growth (YoY) | -10.01% | -8.36% | -8.36% | -5.00% | 3.35% | 3.86% | 3.90% | 2.80% | +780 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.31% | 1.39% | 0.00% | 5.71% | 3.92% | 1.91% | 1.34% | 3.90% | -180 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 | 0.55% | 0.62% | 0.42% | 1.41% | 1.39% | 0.56% | 0.56% | 0.58% | -82 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.41% | 10.41% | 10.31% | 9.94% | 9.35% | 10.10% | 9.68% | 9.55% | -39 bps | |
| Net Worth / Assets | 10.41% | 10.41% | 10.31% | 9.94% | 9.35% | 10.10% | 9.68% | 9.55% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.69% | 45.25% | 42.88% | 40.67% | 38.58% | 35.66% | 35.01% | 32.20% | -847 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Gaithersburg, MD · Charter 8001 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.98%
Rank 1,616 of 1,683
Net Interest Margin
4.85%
Rank 184 of 1,683
Efficiency Ratio
120.00%
Rank 1,639 of 1,682
Equity / Assets
9.54%
Rank 1,420 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.98% | 0.35% | 0.74% | 1.18% | Beats 4% | 1,616 / 1,683 | ||
| Return on Equity | -10.29% | 2.67% | 5.89% | 8.74% | Beats 3% | 1,624 / 1,681 | ||
| Net Interest Margin | 4.85% | 3.31% | 3.82% | 4.32% | Beats 89% | 184 / 1,683 | ||
| Efficiency Ratio | 120.00% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,639 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.93% | 0.26% | 0.65% | 1.29% | Beats 5% | 1,599 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.54% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,420 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.54% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,420 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 32.22% | 52.61% | 69.38% | 83.50% | 6th pctl | 1,582 / 1,683 | ||
| Loans / Assets | 29.14% | 44.71% | 59.18% | 70.72% | 7th pctl | 1,565 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||