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Local 355 MD

Baltimore, MD · Charter 14815

NCUA · 4 branches

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

85

Q2 2024Q2 2026peer median (50)

Asset Quality

1

Q2 2024Q2 2026peer median (50)

Profitability

2

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

0

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

Local 355 MD

Baltimore, MD · Charter 14815

NCUA · 4 branches

Q2 2026

$5.8MAssets
$405KLoans
$4.6MShares
$1.1MNet Worth

Return on Assets (YTD, annualized)

-1.36%-71 bps YoY

Net Interest Margin (YTD, annualized)

0.92%-68 bps YoY

Efficiency Ratio (YTD, annualized)

243%+10,276 bps YoY

Net Worth / Assets

19.43%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets-0.45%-0.38%-3.23%-0.66%0.80%1.02%-0.40%-1.36%-71 bps
Net Interest Margin1.81%1.80%-1.05%1.60%2.93%3.43%2.23%0.92%-68 bps
Asset Growth (YoY)-2.59%-2.66%-4.91%-4.51%-1.87%-0.96%3.03%3.74%+824 bps
Share Growth (YoY)-2.21%-2.83%-4.82%-4.96%-3.04%-2.49%1.55%3.77%+874 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital19.28%19.22%18.67%19.46%20.24%19.41%19.83%19.43%-3 bps
Loans / Shares17.61%16.03%14.51%14.63%13.48%12.48%10.13%8.73%-590 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

Local 355 MD

Baltimore, MD · Charter 14815 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 4 branches

Q2 2026

$5.8MAssets
$405KLoans
$4.6MShares
$1.1MNet Worth

Return on Assets

-1.35%

Rank 1,630 of 1,683

Net Interest Margin

0.90%

Rank 1,682 of 1,683

Efficiency Ratio

248%

Rank 1,676 of 1,682

Equity / Assets

19.43%

Rank 247 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets-1.35%0.35%0.74%1.18%Beats 3%1,630 / 1,683n/a
Net Interest Margin0.90%3.31%3.82%4.32%Beats 0%1,682 / 1,683n/a
Nonperforming Loans / Loans7.90%0.26%0.65%1.29%Beats 1%1,665 / 1,682n/a
Tier 1 Capital Ratio19.43%10.44%12.89%16.53%Beats 85%247 / 1,683n/a
Equity / Assets19.43%10.44%12.89%16.53%Beats 85%247 / 1,683n/a
Loans / Assets7.03%44.71%59.18%70.72%0th pctl1,675 / 1,683n/a