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 | |