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Police

Upper Marlboro, MD · Charter 16401

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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

23

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

18

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

Police

Upper Marlboro, MD · Charter 16401

NCUA · 3 branches

Q2 2026

$175.9MAssets
$114.8MLoans
$146.0MShares
$25.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.02%, down 30 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 1.33% of loans (+107 bps YoY).
  • Capital: net worth / assets of 14.25%, down 2 bps from a year ago.
  • Funding: loans stand at 78.61% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.02%-30 bps YoY

Net Interest Margin (YTD, annualized)

2.56%+21 bps YoY

Efficiency Ratio (YTD, annualized)

98.02%+673 bps YoY

Net Worth / Assets

14.25%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.15%0.13%0.40%0.32%0.24%0.22%-0.03%0.02%-30 bps
Return on Equity1.07%0.90%2.83%2.26%1.65%1.54%-0.22%0.14%-212 bps
Net Interest Margin2.30%2.30%2.26%2.35%2.39%2.38%2.54%2.56%+21 bps
Efficiency Ratio94.77%95.77%90.70%91.30%92.86%92.88%98.22%98.02%+673 bps
Growth
Asset Growth (YoY)-0.99%-2.14%0.71%0.37%1.15%3.29%0.45%0.62%+25 bps
Loan Growth (YoY)-0.43%0.46%-0.27%-0.95%-1.66%-2.92%-1.26%-1.90%-96 bps
Share Growth (YoY)-3.32%-1.38%0.73%1.01%0.73%2.39%0.14%0.08%-93 bps
Asset Quality
Delinquent Loans / Loans0.69%0.72%0.31%0.26%0.42%0.76%0.41%1.33%+107 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.28%14.38%14.19%14.27%14.31%14.14%14.24%14.25%-2 bps
Net Worth / Assets14.28%14.38%14.19%14.27%14.31%14.14%14.24%14.25%-2 bps
Liquidity & Funding
Loans / Shares82.01%82.48%80.45%80.20%80.06%78.21%79.33%78.61%-159 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%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

Police

Upper Marlboro, MD · Charter 16401 · 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

$175.9MAssets
$114.8MLoans
$146.0MShares
$25.1MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 64% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 22 of 61).
  • Widest gap: net interest margin trails 90% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 55 of 61).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.02%

Rank 43 of 61

Net Interest Margin

2.56%

Rank 55 of 61

Efficiency Ratio

98.00%

Rank 50 of 60

Equity / Assets

14.25%

Rank 22 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.02%-0.02%0.37%0.88%Beats 30%43 / 61
Return on Equity0.14%-0.25%2.65%5.53%Beats 28%44 / 61
Net Interest Margin2.56%3.07%3.57%4.09%Beats 10%55 / 61
Efficiency Ratio98.00%71.78%87.58%95.00%Beats 18%50 / 60
Asset Quality
Nonperforming Loans / Loans1.33%0.44%1.06%1.85%Beats 38%38 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.25%9.78%12.37%17.30%Beats 64%22 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.25%9.78%12.37%17.30%Beats 64%22 / 61
Liquidity & Funding
Loans / Deposits78.61%37.27%62.33%76.91%77th pctl14 / 61
Loans / Assets65.27%30.13%54.75%64.37%77th pctl14 / 61
Brokered Deposits / Depositsn/aNot reported for this institution