Bel Air, MD · Charter 8550
NCUA · 8 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.45% | 0.38% | 0.63% | 0.68% | +29 bps | |
| Return on Equity | 4.90% | 5.44% | 4.60% | 7.55% | 7.91% | +301 bps | |
| Net Interest Margin | 3.76% | 4.03% | 4.09% | 4.29% | 4.39% | +63 bps | |
| Efficiency Ratio | 75.83% | 77.06% | 78.48% | 82.56% | 80.12% | +429 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.74% | 18.81% | 17.57% | -3.18% | -2.29% | -2,203 bps | |
| Loan Growth (YoY) | 20.90% | 21.83% | 21.64% | 2.08% | -1.88% | -2,278 bps | |
| Share Growth (YoY) | 22.50% | 21.09% | 16.97% | -3.97% | -3.26% | -2,576 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.01% | 8.36% | 8.31% | 8.38% | 8.66% | +65 bps | |
| Net Worth / Assets | 8.01% | 8.36% | 8.31% | 8.38% | 8.66% | +65 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |