Elkton, MD · Charter 8549
NCUA · 3 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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=1,622 to 1,625). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
6
Asset Quality
20
Profitability
16
Liquidity
0
Efficiency
1
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.
Elkton, MD · Charter 8549
NCUA · 3 branches
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | -2.28% | 0.63% | 0.00% | -2.34% | -243 bps | |
| Return on Equity | 0.92% | -22.93% | 6.33% | 0.02% | -28.15% | -2,907 bps | |
| Net Interest Margin | 3.63% | 3.82% | 3.73% | 3.53% | 3.74% | +11 bps | |
| Efficiency Ratio | 83.23% | 80.54% | 75.46% | 85.26% | 134.88% | +5,164 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.74% | -6.11% | -4.90% | -1.53% | -2.44% | +330 bps | |
| Loan Growth (YoY) | 6.19% | -0.03% | -8.70% | -14.14% | -18.14% | -2,433 bps | |
| Share Growth (YoY) | -6.72% | -6.63% | -5.11% | -2.80% | -0.40% | +632 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.78% | 1.03% | 1.07% | 1.48% | 1.54% | -24 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.08% | 9.93% | 10.03% | 10.04% | 8.31% | -177 bps | |
| Net Worth / Assets | 10.08% | 9.93% | 10.03% | 10.04% | 8.31% | -177 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.07% | 44.28% | 43.68% | 41.31% | 39.51% | -856 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Elkton, MD · Charter 8549 · Peer group: credit unions under $1B in assets (n=1,622-1,625)
NCUA · 3 branches
Q4 2025
Return on Assets
-2.34%
Rank 1,603 of 1,625
Net Interest Margin
3.74%
Rank 859 of 1,625
Efficiency Ratio
134.98%
Rank 1,603 of 1,622
Equity / Assets
8.31%
Rank 1,526 of 1,624
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.34% | 0.37% | 0.76% | 1.21% | Beats 1% | 1,603 / 1,625 | |
| Return on Equity | -28.15% | 2.80% | 6.06% | 8.96% | Beats 1% | 1,609 / 1,623 | |
| Net Interest Margin | 3.74% | 3.25% | 3.80% | 4.36% | Beats 47% | 859 / 1,625 | |
| Efficiency Ratio | 134.98% | 68.56% | 77.08% | 85.11% | Beats 1% | 1,603 / 1,622 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.54% | 0.28% | 0.70% | 1.35% | Beats 20% | 1,293 / 1,623 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.31% | 10.44% | 12.79% | 16.54% | Beats 6% | 1,527 / 1,625 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.31% | 10.44% | 12.79% | 16.54% | Beats 6% | 1,526 / 1,624 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 39.51% | 54.72% | 71.33% | 84.54% | 9th pctl | 1,474 / 1,624 | |
| Loans / Assets | 35.93% | 46.04% | 60.45% | 71.73% | 12th pctl | 1,431 / 1,624 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||