Gaithersburg, MD · Charter 8001
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.89% | -0.97% | -0.12% | -0.78% | -0.99% | -9 bps | |
| Return on Equity | -8.99% | -10.35% | -1.22% | -8.09% | -10.34% | -134 bps | |
| Net Interest Margin | 5.08% | 4.98% | 5.11% | 4.78% | 4.86% | -22 bps | |
| Efficiency Ratio | 104.89% | 103.36% | 102.51% | 115.36% | 119.58% | +1,469 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.99% | 2.21% | 1.85% | 3.09% | 2.18% | +716 bps | |
| Loan Growth (YoY) | -19.02% | -16.41% | -18.16% | -15.17% | -18.61% | +41 bps | |
| Share Growth (YoY) | -5.00% | 3.35% | 3.86% | 3.90% | 2.80% | +780 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.41% | 1.39% | 0.56% | 0.56% | 0.58% | -82 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.94% | 9.35% | 10.10% | 9.68% | 9.55% | -39 bps | |
| Net Worth / Assets | 9.94% | 9.35% | 10.10% | 9.68% | 9.55% | -39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |