Baltimore, MD · Charter 95742
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 2.43% | 2.69% | 3.49% | 3.90% | 2.60% | 4.18% | 4.13% | 4.42% | +52 bps | |
| Efficiency Ratio | 120.90% | 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 / Loans | 0.55% | 1.52% | 1.98% | 1.69% | 1.69% | 1.23% | 1.43% | 1.65% | -3 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 | 24.88% | 25.07% | 25.15% | 25.53% | 25.53% | 24.99% | 24.11% | 25.20% | -33 bps | |
| Net Worth / Assets | 24.88% | 25.07% | 25.15% | 25.53% | 25.53% | 24.99% | 24.11% | 25.20% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.34% | 65.48% | 72.93% | 83.95% | 83.95% | 107.05% | 108.38% | 115.01% | +3,105 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |