PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cecil County School Employees

Elkton, MD · Charter 8549

NCUA · 3 branches

Q4 2025

$25.1MAssets
$9.0MLoans
$22.9MShares
$2.1MNet 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 -2.34%, down 243 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 1.54% of loans (-24 bps YoY).
  • Capital: net worth / assets of 8.31%, down 177 bps from a year ago.
  • Funding: loans stand at 39.51% of shares as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

-2.34%-243 bps YoY

Net Interest Margin (YTD, annualized)

3.74%+11 bps YoY

Efficiency Ratio (YTD, annualized)

134.88%+5,164 bps YoY

Net Worth / Assets

8.31%-177 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.09%-2.28%0.63%0.00%-2.34%-243 bps
Return on Equity0.92%-22.93%6.33%0.02%-28.15%-2,907 bps
Net Interest Margin3.63%3.82%3.73%3.53%3.74%+11 bps
Efficiency Ratio83.23%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 / Loans1.78%1.03%1.07%1.48%1.54%-24 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 Capital10.08%9.93%10.03%10.04%8.31%-177 bps
Net Worth / Assets10.08%9.93%10.03%10.04%8.31%-177 bps
Liquidity & Funding
Loans / Shares48.07%44.28%43.68%41.31%39.51%-856 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps