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Letter portraitLegal landscapeQuarterYTD

Post Office CU of MD, Inc.

Baltimore, MD · Charter 95742

NCUA · 1 branch

Q2 2026

$28.2MAssets
$24.2MLoans
$21.0MShares
$7.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.51%, up 31 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 1.65% of loans (-3 bps YoY).
  • Capital: net worth / assets of 25.20%, down 33 bps from a year ago.
  • Funding: loans stand at 115.01% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.51%+31 bps YoY

Net Interest Margin (quarter, annualized)

4.42%+52 bps YoY

Efficiency Ratio (quarter, annualized)

88.43%+690 bps YoY

Net Worth / Assets

25.20%-33 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.77%-0.63%0.19%0.20%0.14%-0.11%0.22%0.51%+31 bps
Return on Equity-3.11%-2.51%0.77%0.79%0.53%-0.42%0.91%2.03%+124 bps
Net Interest Margin2.43%2.69%3.49%3.90%2.60%4.18%4.13%4.42%+52 bps
Efficiency Ratio120.90%115.35%82.40%81.53%81.53%83.62%92.60%88.43%+690 bps
Growth
Asset Growth (YoY)-9.97%-4.00%-3.44%-3.26%-2.29%0.32%4.24%1.60%+486 bps
Loan Growth (YoY)52.23%61.88%66.71%59.00%41.57%51.66%45.58%40.05%-1,894 bps
Share Growth (YoY)-7.84%-4.44%-4.00%-4.13%-3.30%-7.24%-2.05%2.23%+636 bps
Asset Quality
Delinquent Loans / Loans0.55%1.52%1.98%1.69%1.69%1.23%1.43%1.65%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital24.88%25.07%25.15%25.53%25.53%24.99%24.11%25.20%-33 bps
Net Worth / Assets24.88%25.07%25.15%25.53%25.53%24.99%24.11%25.20%-33 bps
Liquidity & Funding
Loans / Shares57.34%65.48%72.93%83.95%83.95%107.05%108.38%115.01%+3,105 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps