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High Street Baptist Church

Roanoke, VA · Charter 11986

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

84

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

High Street Baptist Church

Roanoke, VA · Charter 11986

NCUA · 1 branch

Q2 2026

$2.5MAssets
$576KLoans
$2.2MShares
$373KNet Worth

Executive Summary

  • Earnings: ROA of 1.05%, down 30 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.67%, up 20 bps from a year ago.
  • Funding: loans stand at 26.59% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.05%-30 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-24 bps YoY

Efficiency Ratio (YTD, annualized)

62.91%+690 bps YoY

Net Worth / Assets

14.67%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.34%2.21%0.77%1.35%1.35%1.25%1.39%1.05%-30 bps
Return on Equity17.51%15.97%5.45%9.30%9.08%8.37%9.40%7.15%-215 bps
Net Interest Margin4.01%4.00%3.11%3.05%2.97%3.04%2.91%2.82%-24 bps
Efficiency Ratio41.55%44.85%75.14%56.01%54.48%59.09%52.21%62.91%+690 bps
Growth
Asset Growth (YoY)4.54%0.61%-1.87%-1.68%-0.37%1.44%5.75%6.63%+832 bps
Loan Growth (YoY)18.36%8.10%-0.57%0.43%-13.00%-19.82%10.12%6.13%+570 bps
Share Growth (YoY)2.52%-2.01%-4.30%-3.90%-2.12%0.19%4.72%6.37%+1,027 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.70%1.77%2.05%1.84%1.95%2.21%1.86%1.73%-11 bps
Capital
Risk-Based Capital13.39%13.81%14.16%14.47%14.90%14.88%14.79%14.67%+20 bps
Net Worth / Assets13.39%13.81%14.16%14.47%14.90%14.88%14.79%14.67%+20 bps
Liquidity & Funding
Loans / Shares28.65%27.59%24.18%26.65%25.46%22.08%25.43%26.59%-6 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

High Street Baptist Church

Roanoke, VA · Charter 11986 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$2.5MAssets
$576KLoans
$2.2MShares
$373KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
  • Widest gap: net interest margin trails 91% of credit unions under $1B in assets (rank 1529 of 1683).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.02%

Rank 576 of 1,683

Net Interest Margin

2.83%

Rank 1,529 of 1,683

Efficiency Ratio

63.89%

Rank 264 of 1,682

Equity / Assets

14.67%

Rank 584 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.02%0.35%0.74%1.18%Beats 66%576 / 1,683
Return on Equity6.97%2.67%5.89%8.74%Beats 61%658 / 1,681
Net Interest Margin2.83%3.31%3.82%4.32%Beats 9%1,529 / 1,683
Efficiency Ratio63.89%68.91%78.20%86.93%Beats 84%264 / 1,682
Asset Quality
Nonperforming Loans / Loans0.00%0.26%0.65%1.29%Beats 100%132 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.67%10.44%12.89%16.53%Beats 65%584 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.67%10.44%12.89%16.53%Beats 65%584 / 1,683
Liquidity & Funding
Loans / Deposits26.57%52.61%69.38%83.50%4th pctl1,622 / 1,683
Loans / Assets22.65%44.71%59.18%70.72%4th pctl1,617 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution