Bel Air, MD · Charter 8550
NCUA · 8 branches
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
8
Asset Quality
20
Profitability
64
Liquidity
26
Efficiency
44
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.
Bel Air, MD · Charter 8550
NCUA · 8 branches
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 | 0.04% | 0.00% | 0.83% | 0.39% | 0.45% | 0.38% | 0.63% | 0.68% | +29 bps | |
| Return on Equity | 0.52% | 0.02% | 10.58% | 4.90% | 5.44% | 4.60% | 7.55% | 7.91% | +301 bps | |
| Net Interest Margin | 3.63% | 3.59% | 3.61% | 3.76% | 4.03% | 4.09% | 4.29% | 4.39% | +63 bps | |
| Efficiency Ratio | 84.62% | 86.64% | 65.80% | 75.83% | 77.06% | 78.48% | 82.56% | 80.12% | +429 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.37% | 9.04% | 25.91% | 19.74% | 18.81% | 17.57% | -3.18% | -2.29% | -2,203 bps | |
| Loan Growth (YoY) | -4.94% | -3.68% | 13.08% | 20.90% | 21.83% | 21.64% | 2.08% | -1.88% | -2,278 bps | |
| Share Growth (YoY) | 9.79% | 13.14% | 29.69% | 22.50% | 21.09% | 16.97% | -3.97% | -3.26% | -2,576 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.60% | 1.58% | 1.33% | 1.30% | 0.99% | 1.13% | 1.38% | 1.55% | +25 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 | 7.84% | 7.61% | 7.82% | 8.01% | 8.36% | 8.31% | 8.38% | 8.66% | +65 bps | |
| Net Worth / Assets | 7.84% | 7.61% | 7.82% | 8.01% | 8.36% | 8.31% | 8.38% | 8.66% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.98% | 85.35% | 80.44% | 85.07% | 88.52% | 88.76% | 85.50% | 86.29% | +122 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bel Air, MD · Charter 8550 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
0.68%
Rank 907 of 1,683
Net Interest Margin
4.39%
Rank 383 of 1,683
Efficiency Ratio
80.11%
Rank 941 of 1,682
Equity / Assets
8.65%
Rank 1,551 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.68% | 0.35% | 0.74% | 1.18% | Beats 46% | 907 / 1,683 | n/a | |
| Return on Equity | 7.91% | 2.67% | 5.89% | 8.74% | Beats 69% | 524 / 1,681 | n/a | |
| Net Interest Margin | 4.39% | 3.31% | 3.82% | 4.32% | Beats 77% | 383 / 1,683 | n/a | |
| Efficiency Ratio | 80.11% | 68.91% | 78.20% | 86.93% | Beats 44% | 941 / 1,682 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.55% | 0.26% | 0.65% | 1.29% | Beats 20% | 1,346 / 1,682 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.65% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,551 / 1,683 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.65% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,551 / 1,683 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.29% | 52.61% | 69.38% | 83.50% | 80th pctl | 337 / 1,683 | n/a | |
| Loans / Assets | 76.63% | 44.71% | 59.18% | 70.72% | 87th pctl | 226 / 1,683 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||