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Peake

Towson, MD · Charter 15394

NCUA · 3 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

8

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

51

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

Peake

Towson, MD · Charter 15394

NCUA · 3 branches

Q2 2026

$534.2MAssets
$332.9MLoans
$491.0MShares
$46.2MNet 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 0.64%, up 35 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.18% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.64%, up 28 bps from a year ago.
  • Funding: loans stand at 67.80% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.64%+35 bps YoY

Net Interest Margin (YTD, annualized)

2.77%+29 bps YoY

Efficiency Ratio (YTD, annualized)

77.74%-706 bps YoY

Net Worth / Assets

8.64%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.37%0.41%0.56%0.64%+35 bps
Return on Equity3.45%4.42%4.79%6.66%7.43%+397 bps
Net Interest Margin2.48%2.54%2.55%2.69%2.77%+29 bps
Efficiency Ratio84.80%83.52%82.60%78.53%77.74%-706 bps
Growth
Asset Growth (YoY)2.11%3.16%3.82%2.92%3.30%+118 bps
Loan Growth (YoY)2.53%1.47%1.11%1.56%0.95%-158 bps
Share Growth (YoY)2.64%2.27%2.63%1.88%2.39%-25 bps
Asset Quality
Delinquent Loans / Loans0.18%0.24%0.26%0.19%0.18%0 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 Capital8.36%8.49%8.50%8.46%8.64%+28 bps
Net Worth / Assets8.36%8.49%8.50%8.46%8.64%+28 bps
Liquidity & Funding
Loans / Shares68.76%69.63%68.82%67.54%67.80%-97 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

Peake

Towson, MD · Charter 15394 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 3 branches

Q2 2026

$534.2MAssets
$332.9MLoans
$491.0MShares
$46.2MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 81% of credit unions under $1B in assets (rank 326 of 1682).
  • Widest gap: equity / assets trails 92% of credit unions under $1B in assets (rank 1553 of 1683).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.64%

Rank 962 of 1,683

Net Interest Margin

2.77%

Rank 1,552 of 1,683

Efficiency Ratio

77.74%

Rank 820 of 1,682

Equity / Assets

8.64%

Rank 1,553 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.64%0.35%0.74%1.18%Beats 43%962 / 1,683
Return on Equity7.43%2.67%5.89%8.74%Beats 65%593 / 1,681
Net Interest Margin2.77%3.31%3.82%4.32%Beats 8%1,552 / 1,683
Efficiency Ratio77.74%68.91%78.20%86.93%Beats 51%820 / 1,682
Asset Quality
Nonperforming Loans / Loans0.18%0.26%0.65%1.29%Beats 81%326 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio8.64%10.44%12.89%16.53%Beats 8%1,553 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets8.64%10.44%12.89%16.53%Beats 8%1,553 / 1,683
Liquidity & Funding
Loans / Deposits67.80%52.61%69.38%83.50%47th pctl885 / 1,683
Loans / Assets62.31%44.71%59.18%70.72%57th pctl719 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution