Laurel, MD · Charter 9475
NCUA · 2 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
36
Asset Quality
60
Profitability
54
Liquidity
71
Efficiency
81
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.
Laurel, MD · Charter 9475
NCUA · 2 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 | 0.81% | 0.98% | 1.01% | 0.38% | 1.13% | +32 bps | |
| Return on Equity | 7.34% | 8.67% | 8.91% | 3.42% | 9.85% | +251 bps | |
| Net Interest Margin | 2.49% | 2.56% | 2.56% | 2.72% | 2.71% | +22 bps | |
| Efficiency Ratio | 72.05% | 68.26% | 66.49% | 82.28% | 65.82% | -623 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.91% | 7.93% | 8.92% | 7.43% | 6.60% | -231 bps | |
| Loan Growth (YoY) | 1.76% | 2.96% | 2.72% | 4.07% | 7.70% | +594 bps | |
| Share Growth (YoY) | 7.87% | 6.90% | 7.74% | 6.60% | 5.73% | -214 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.48% | 0.51% | 0.49% | 0.49% | -2 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 | 11.03% | 11.33% | 11.34% | 11.25% | 11.50% | +47 bps | |
| Net Worth / Assets | 11.03% | 11.33% | 11.34% | 11.25% | 11.50% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.65% | 75.60% | 73.98% | 74.12% | 76.04% | +139 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Laurel, MD · Charter 9475 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.13%
Rank 471 of 1,683
Net Interest Margin
2.71%
Rank 1,571 of 1,683
Efficiency Ratio
65.82%
Rank 321 of 1,682
Equity / Assets
11.50%
Rank 1,075 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.13% | 0.35% | 0.74% | 1.18% | Beats 72% | 471 / 1,683 | |
| Return on Equity | 9.85% | 2.67% | 5.89% | 8.74% | Beats 82% | 296 / 1,681 | |
| Net Interest Margin | 2.71% | 3.31% | 3.82% | 4.32% | Beats 7% | 1,571 / 1,683 | |
| Efficiency Ratio | 65.82% | 68.91% | 78.20% | 86.93% | Beats 81% | 321 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.49% | 0.26% | 0.65% | 1.29% | Beats 60% | 668 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.50% | 10.44% | 12.89% | 16.53% | Beats 36% | 1,075 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.50% | 10.44% | 12.89% | 16.53% | Beats 36% | 1,075 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.04% | 52.61% | 69.38% | 83.50% | 62nd pctl | 640 / 1,683 | |
| Loans / Assets | 67.15% | 44.71% | 59.18% | 70.72% | 67th pctl | 553 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||