PackageTrendsPeer
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O.A.S. Staff

Washington, DC · Charter 15000

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 Washington-Arlington-Alexandria, DC-VA-MD-WV 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 Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60 to 61). 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

7

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

25

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

O.A.S. Staff

Washington, DC · Charter 15000

NCUA · 1 branch

Q2 2026

$282.4MAssets
$165.1MLoans
$264.9MShares
$21.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.12%, up 24 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 2.58% of loans (+108 bps YoY).
  • Capital: net worth / assets of 7.63%, up 17 bps from a year ago.
  • Funding: loans stand at 62.33% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.12%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+36 bps YoY

Efficiency Ratio (YTD, annualized)

95.00%-756 bps YoY

Net Worth / Assets

7.63%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.12%-0.02%0.05%0.07%0.12%+24 bps
Return on Equity-1.58%-0.30%0.60%0.91%1.59%+317 bps
Net Interest Margin2.76%2.91%2.91%3.05%3.13%+36 bps
Efficiency Ratio102.56%98.94%97.45%95.44%95.00%-756 bps
Growth
Asset Growth (YoY)2.22%0.41%2.12%0.81%-0.04%-226 bps
Loan Growth (YoY)-0.56%2.00%2.92%4.35%2.55%+311 bps
Share Growth (YoY)2.05%0.52%1.06%0.18%-0.45%-249 bps
Asset Quality
Delinquent Loans / Loans1.50%1.19%2.54%2.07%2.58%+108 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.47%7.58%7.51%7.40%7.63%+17 bps
Net Worth / Assets7.47%7.58%7.51%7.40%7.63%+17 bps
Liquidity & Funding
Loans / Shares60.51%62.48%61.92%60.60%62.33%+182 bps
Liquid Assets / Assets0.00%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

O.A.S. Staff

Washington, DC · Charter 15000 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)

NCUA · 1 branch

Q2 2026

$282.4MAssets
$165.1MLoans
$264.9MShares
$21.6MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 38% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 38 of 61).
  • Widest gap: equity / assets trails 93% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 57 of 61).
  • Overall: at or above the peer median on 0 of 7 directional measures.

Return on Assets

0.12%

Rank 39 of 61

Net Interest Margin

3.13%

Rank 43 of 61

Efficiency Ratio

95.00%

Rank 46 of 60

Equity / Assets

7.63%

Rank 57 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.12%-0.02%0.37%0.88%Beats 36%39 / 61
Return on Equity1.59%-0.25%2.65%5.53%Beats 38%38 / 61
Net Interest Margin3.13%3.07%3.57%4.09%Beats 30%43 / 61
Efficiency Ratio95.00%71.78%87.58%95.00%Beats 25%46 / 60
Asset Quality
Nonperforming Loans / Loans2.58%0.44%1.06%1.85%Beats 17%51 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio7.63%9.78%12.37%17.30%Beats 7%57 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets7.63%9.78%12.37%17.30%Beats 7%57 / 61
Liquidity & Funding
Loans / Deposits62.33%37.27%62.33%76.91%49th pctl31 / 61
Loans / Assets58.45%30.13%54.75%64.37%59th pctl25 / 61
Brokered Deposits / Depositsn/aNot reported for this institution