PackageTrendsPeer
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Treasury Department

Washington, DC · Charter 162

NCUA · 6 branches

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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

65

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

Treasury Department

Washington, DC · Charter 162

NCUA · 6 branches

Q2 2026

$176.7MAssets
$109.2MLoans
$156.1MShares
$18.3MNet 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 0.24%, down 14 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 1.86% of loans (+12 bps YoY).
  • Capital: net worth / assets of 10.33%, up 25 bps from a year ago.
  • Funding: loans stand at 69.97% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.24%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+3 bps YoY

Efficiency Ratio (YTD, annualized)

80.73%-255 bps YoY

Net Worth / Assets

10.33%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.34%0.28%0.25%0.24%-14 bps
Return on Equity3.82%3.32%2.70%2.47%2.36%-146 bps
Net Interest Margin3.67%3.72%3.71%3.62%3.69%+3 bps
Efficiency Ratio83.29%84.10%84.63%81.68%80.73%-255 bps
Growth
Asset Growth (YoY)0.43%1.29%1.67%0.01%-0.69%-112 bps
Loan Growth (YoY)0.78%0.44%1.32%0.38%-0.42%-120 bps
Share Growth (YoY)0.31%0.98%1.50%-1.18%-1.78%-209 bps
Asset Quality
Delinquent Loans / Loans1.73%1.70%0.92%0.87%1.86%+12 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 Capital10.08%10.23%10.20%10.11%10.33%+25 bps
Net Worth / Assets10.08%10.23%10.20%10.11%10.33%+25 bps
Liquidity & Funding
Loans / Shares69.01%69.44%69.43%69.68%69.97%+96 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

Treasury Department

Washington, DC · Charter 162 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)

NCUA · 6 branches

Q2 2026

$176.7MAssets
$109.2MLoans
$156.1MShares
$18.3MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 65% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 22 of 60).
  • Widest gap: nonperforming loans / loans trails 77% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 47 of 60).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.24%

Rank 36 of 61

Net Interest Margin

3.69%

Rank 25 of 61

Efficiency Ratio

80.72%

Rank 22 of 60

Equity / Assets

10.33%

Rank 42 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.24%-0.02%0.37%0.88%Beats 41%36 / 61
Return on Equity2.37%-0.25%2.65%5.53%Beats 46%33 / 61
Net Interest Margin3.69%3.07%3.57%4.09%Beats 59%25 / 61
Efficiency Ratio80.72%71.78%87.58%95.00%Beats 65%22 / 60
Asset Quality
Nonperforming Loans / Loans1.86%0.44%1.06%1.85%Beats 23%47 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.33%9.78%12.37%17.30%Beats 31%42 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.33%9.78%12.37%17.30%Beats 31%42 / 61
Liquidity & Funding
Loans / Deposits69.97%37.27%62.33%76.91%66th pctl21 / 61
Loans / Assets61.81%30.13%54.75%64.37%66th pctl21 / 61
Brokered Deposits / Depositsn/aNot reported for this institution