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W S S C

Laurel, MD · Charter 16268

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 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

28

Q2 2024Q2 2026peer median (50)

Asset Quality

20

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

30

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

W S S C

Laurel, MD · Charter 16268

NCUA · 3 branches

Q2 2026

$35.4MAssets
$19.6MLoans
$31.9MShares
$3.6MNet 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 -0.16%, down 52 bps year over year; NIM at 5.11%.
  • Asset quality: problem loans at 1.95% of loans (+62 bps YoY).
  • Capital: net worth / assets of 10.13%, down 57 bps from a year ago.
  • Funding: loans stand at 61.41% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.16%-52 bps YoY

Net Interest Margin (YTD, annualized)

5.11%+23 bps YoY

Efficiency Ratio (YTD, annualized)

92.80%+576 bps YoY

Net Worth / Assets

10.13%-57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.31%0.24%-0.18%-0.16%-52 bps
Return on Equity3.36%2.84%2.26%-1.75%-1.54%-491 bps
Net Interest Margin4.88%4.98%5.07%5.30%5.11%+23 bps
Efficiency Ratio87.04%88.58%87.24%89.47%92.80%+576 bps
Growth
Asset Growth (YoY)1.00%1.18%1.30%1.80%2.42%+143 bps
Loan Growth (YoY)-5.92%-6.91%-3.87%-1.77%4.10%+1,002 bps
Share Growth (YoY)-0.19%0.49%0.69%1.73%2.30%+249 bps
Asset Quality
Delinquent Loans / Loans1.33%2.24%1.70%2.16%1.95%+62 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 Capital10.70%10.83%10.42%10.24%10.13%-57 bps
Net Worth / Assets10.70%10.83%10.42%10.24%10.13%-57 bps
Liquidity & Funding
Loans / Shares60.35%59.25%59.54%58.86%61.41%+106 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

W S S C

Laurel, MD · Charter 16268 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)

NCUA · 3 branches

Q2 2026

$35.4MAssets
$19.6MLoans
$31.9MShares
$3.6MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 92% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 5 of 61).
  • Widest gap: return on equity trails 85% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 52 of 61).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

-0.16%

Rank 52 of 61

Net Interest Margin

5.11%

Rank 5 of 61

Efficiency Ratio

92.78%

Rank 43 of 60

Equity / Assets

10.13%

Rank 44 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.16%-0.02%0.37%0.88%Beats 15%52 / 61
Return on Equity-1.56%-0.25%2.65%5.53%Beats 15%52 / 61
Net Interest Margin5.11%3.07%3.57%4.09%Beats 92%5 / 61
Efficiency Ratio92.78%71.78%87.58%95.00%Beats 30%43 / 60
Asset Quality
Nonperforming Loans / Loans1.95%0.44%1.06%1.85%Beats 20%49 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.13%9.78%12.37%17.30%Beats 28%44 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.13%9.78%12.37%17.30%Beats 28%44 / 61
Liquidity & Funding
Loans / Deposits61.41%37.27%62.33%76.91%48th pctl32 / 61
Loans / Assets55.35%30.13%54.75%64.37%51st pctl30 / 61
Brokered Deposits / Depositsn/aNot reported for this institution