Laurel, MD · Charter 9475
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.83% | 0.27% | 0.81% | 0.98% | 1.01% | 0.38% | 1.13% | +32 bps | |
| Return on Equity | 7.35% | 7.42% | 2.41% | 7.34% | 8.67% | 8.91% | 3.42% | 9.85% | +251 bps | |
| Net Interest Margin | 2.30% | 2.31% | 2.48% | 2.49% | 2.56% | 2.56% | 2.72% | 2.71% | +22 bps | |
| Efficiency Ratio | 71.67% | 71.11% | 86.55% | 72.05% | 68.26% | 66.49% | 82.28% | 65.82% | -623 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.78% | 2.34% | 4.50% | 8.91% | 7.93% | 8.92% | 7.43% | 6.60% | -231 bps | |
| Loan Growth (YoY) | -1.32% | -0.95% | 0.70% | 1.76% | 2.96% | 2.72% | 4.07% | 7.70% | +594 bps | |
| Share Growth (YoY) | 4.03% | 4.83% | 5.02% | 7.87% | 6.90% | 7.74% | 6.60% | 5.73% | -214 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.61% | 0.46% | 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 | 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 | 11.21% | 11.25% | 10.98% | 11.03% | 11.33% | 11.34% | 11.25% | 11.50% | +47 bps | |
| Net Worth / Assets | 11.21% | 11.25% | 10.98% | 11.03% | 11.33% | 11.34% | 11.25% | 11.50% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.49% | 77.60% | 75.93% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |