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Xavier University

New Orleans, LA · Charter 12748

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 assets in the New Orleans-Metairie, LA area3

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 in the New Orleans-Metairie, LA area (n=28 to 29). 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

45

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

1

Q2 2024Q2 2026peer median

Efficiency

93

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

Xavier University

New Orleans, LA · Charter 12748

NCUA · 1 branch

Q2 2026

$1.7MAssets
$453KLoans
$1.5MShares
$237KNet Worth

Return on Assets (YTD, annualized)

1.24%-780 bps YoY

Net Interest Margin (YTD, annualized)

3.71%-41 bps YoY

Efficiency Ratio (YTD, annualized)

67.03%+1,713 bps YoY

Net Worth / Assets

14.02%+211 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets-3.31%-1.88%-1.06%9.05%6.30%6.12%0.63%1.24%-780 bps
Net Interest Margin3.27%3.48%3.02%4.13%3.88%4.45%3.58%3.71%-41 bps
Asset Growth (YoY)-3.58%0.44%6.96%7.96%5.63%-1.77%-2.54%-3.06%-1,102 bps
Share Growth (YoY)-1.99%2.58%7.41%3.30%0.03%-8.46%-9.29%-5.22%-852 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital7.36%7.95%7.38%11.90%12.27%14.21%13.93%14.02%+211 bps
Loans / Shares37.09%38.68%32.61%33.52%33.16%37.10%34.73%31.11%-241 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

Xavier University

New Orleans, LA · Charter 12748 · Peer group: credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=28-29)

NCUA · 1 branch

Q2 2026

$1.7MAssets
$453KLoans
$1.5MShares
$237KNet Worth

Return on Assets

1.30%

Rank 3 of 29

Net Interest Margin

3.78%

Rank 24 of 29

Efficiency Ratio

65.63%

Rank 3 of 29

Equity / Assets

13.99%

Rank 16 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets1.30%-0.27%0.39%0.68%Beats 90%3 / 29
Net Interest Margin3.78%3.88%4.49%4.89%Beats 17%24 / 29
Nonperforming Loans / Loans2.21%0.22%1.19%2.21%Beats 28%22 / 29
Tier 1 Capital Ratio13.99%11.89%14.07%21.10%Beats 45%16 / 29
Equity / Assets13.99%11.89%14.07%21.10%Beats 45%16 / 29
Loans / Assets26.74%34.60%52.32%69.33%10th pctl26 / 29