Apl
Laurel, MD · Charter 9475 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$723.6MAssets
$485.9MLoans
$639.0MShares
$83.2MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 82% of credit unions under $1B in assets (rank 296 of 1681).
- Widest gap: net interest margin trails 93% of credit unions under $1B in assets (rank 1571 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 |