PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Apl

Laurel, MD · Charter 9475

NCUA · 2 branches

Q2 2026

$723.6MAssets
$485.9MLoans
$639.0MShares
$83.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.13%, up 32 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.49% of loans (-2 bps YoY).
  • Capital: net worth / assets of 11.50%, up 47 bps from a year ago.
  • Funding: loans stand at 76.04% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.13%+32 bps YoY

Net Interest Margin (quarter, annualized)

2.71%+22 bps YoY

Efficiency Ratio (quarter, annualized)

65.82%-623 bps YoY

Net Worth / Assets

11.50%+47 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.98%1.01%0.38%1.13%+32 bps
Return on Equity7.34%8.67%8.91%3.42%9.85%+251 bps
Net Interest Margin2.49%2.56%2.56%2.72%2.71%+22 bps
Efficiency Ratio72.05%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 / Loans0.50%0.48%0.51%0.49%0.49%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.03%11.33%11.34%11.25%11.50%+47 bps
Net Worth / Assets11.03%11.33%11.34%11.25%11.50%+47 bps
Liquidity & Funding
Loans / Shares74.65%75.60%73.98%74.12%76.04%+139 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps