Elkton, MD · Charter 8549
NCUA · 3 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | -0.34% | 0.09% | 0.09% | -2.28% | 0.63% | 0.00% | -2.34% | -243 bps | |
| Return on Equity | 0.84% | -3.65% | 0.95% | 0.92% | -22.93% | 6.33% | 0.02% | -28.15% | -2,907 bps | |
| Net Interest Margin | 3.19% | 3.29% | 3.43% | 3.63% | 3.82% | 3.73% | 3.53% | 3.74% | +11 bps | |
| Efficiency Ratio | 87.47% | 90.89% | 85.07% | 83.23% | 80.54% | 75.46% | 85.26% | 134.88% | +5,164 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.21% | -3.70% | -7.03% | -5.74% | -6.11% | -4.90% | -1.53% | -2.44% | +330 bps | |
| Loan Growth (YoY) | 5.54% | 10.65% | 11.26% | 6.19% | -0.03% | -8.70% | -14.14% | -18.14% | -2,433 bps | |
| Share Growth (YoY) | -6.36% | -4.44% | -6.12% | -6.72% | -6.63% | -5.11% | -2.80% | -0.40% | +632 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.03% | 1.64% | 1.83% | 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 | 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 | 9.35% | 9.43% | 9.80% | 10.08% | 9.93% | 10.03% | 10.04% | 8.31% | -177 bps | |
| Net Worth / Assets | 9.35% | 9.43% | 9.80% | 10.08% | 9.93% | 10.03% | 10.04% | 8.31% | -177 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.36% | 45.39% | 46.76% | 48.07% | 44.28% | 43.68% | 41.31% | 39.51% | -856 bps | |
| Liquid Assets / Assets | 98.29% | 0.00% | 99.12% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |