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Nymeo

Frederick, MD · Charter 16408

NCUA · 4 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

38

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

22

Q2 2024Q2 2026peer median

Efficiency

72

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

Nymeo

Frederick, MD · Charter 16408

NCUA · 4 branches

Q2 2026

$409.1MAssets
$292.6MLoans
$349.4MShares
$45.5MNet 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 0.75%, up 10 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.93% of loans (-32 bps YoY).
  • Capital: net worth / assets of 11.11%, down 37 bps from a year ago.
  • Funding: loans stand at 83.76% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.75%+10 bps YoY

Net Interest Margin (YTD, annualized)

4.10%+4 bps YoY

Efficiency Ratio (YTD, annualized)

75.05%-465 bps YoY

Net Worth / Assets

11.11%-37 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.64%0.72%0.82%0.75%+10 bps
Return on Equity5.68%5.74%6.69%7.46%6.77%+109 bps
Net Interest Margin4.06%3.88%3.76%4.10%4.10%+4 bps
Efficiency Ratio79.70%78.06%76.27%75.02%75.05%-465 bps
Growth
Asset Growth (YoY)2.13%7.61%12.45%10.63%10.54%+841 bps
Loan Growth (YoY)9.09%12.00%17.13%2.17%7.79%-130 bps
Share Growth (YoY)1.08%4.17%7.64%7.58%8.08%+700 bps
Asset Quality
Delinquent Loans / Loans1.25%1.62%1.38%1.07%0.93%-32 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 Capital11.49%11.07%10.74%10.96%11.11%-37 bps
Net Worth / Assets11.49%11.07%10.74%10.96%11.11%-37 bps
Liquidity & Funding
Loans / Shares83.98%83.50%87.31%74.81%83.76%-22 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

Nymeo

Frederick, MD · Charter 16408 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)

NCUA · 4 branches

Q2 2026

$409.1MAssets
$292.6MLoans
$349.4MShares
$45.5MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 79% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 13 of 61).
  • Widest gap: equity / assets trails 62% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 38 of 61).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.75%

Rank 18 of 61

Net Interest Margin

4.10%

Rank 13 of 61

Efficiency Ratio

75.06%

Rank 18 of 60

Equity / Assets

11.11%

Rank 38 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.75%-0.02%0.37%0.88%Beats 70%18 / 61
Return on Equity6.77%-0.25%2.65%5.53%Beats 77%14 / 61
Net Interest Margin4.10%3.07%3.57%4.09%Beats 79%13 / 61
Efficiency Ratio75.06%71.78%87.58%95.00%Beats 72%18 / 60
Asset Quality
Nonperforming Loans / Loans0.93%0.44%1.06%1.85%Beats 52%30 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.11%9.78%12.37%17.30%Beats 38%38 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.11%9.78%12.37%17.30%Beats 38%38 / 61
Liquidity & Funding
Loans / Deposits83.76%37.27%62.33%76.91%80th pctl12 / 61
Loans / Assets71.54%30.13%54.75%64.37%84th pctl10 / 61
Brokered Deposits / Depositsn/aNot reported for this institution