PackageTrendsPeer
Letter portraitLegal landscape

DC

Washington, DC · Charter 16411

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

56

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

47

Q2 2024Q2 2026peer median

Efficiency

48

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

DC

Washington, DC · Charter 16411

NCUA · 3 branches

Q2 2026

$88.9MAssets
$57.5MLoans
$74.8MShares
$11.5MNet 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 0.10%, down 44 bps year over year; NIM at 4.60%.
  • Asset quality: problem loans at 2.57% of loans (+51 bps YoY).
  • Capital: net worth / assets of 12.92%, up 42 bps from a year ago.
  • Funding: loans stand at 76.91% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.10%-44 bps YoY

Net Interest Margin (YTD, annualized)

4.60%+45 bps YoY

Efficiency Ratio (YTD, annualized)

88.08%+318 bps YoY

Net Worth / Assets

12.92%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.47%0.41%0.10%0.10%-44 bps
Return on Equity4.29%3.68%3.21%0.80%0.76%-353 bps
Net Interest Margin4.15%4.23%4.24%4.58%4.60%+45 bps
Efficiency Ratio84.90%85.84%85.92%89.71%88.08%+318 bps
Growth
Asset Growth (YoY)13.05%8.12%5.46%-0.51%-2.11%-1,516 bps
Loan Growth (YoY)-1.88%-3.01%-5.41%-3.35%-2.62%-74 bps
Share Growth (YoY)9.32%9.04%3.48%-1.52%-3.46%-1,278 bps
Asset Quality
Delinquent Loans / Loans2.06%2.31%2.70%2.47%2.57%+51 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 Capital12.50%12.68%12.82%12.66%12.92%+42 bps
Net Worth / Assets12.50%12.68%12.82%12.66%12.92%+42 bps
Liquidity & Funding
Loans / Shares76.24%76.57%76.83%76.09%76.91%+67 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

DC

Washington, DC · Charter 16411 · 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

$88.9MAssets
$57.5MLoans
$74.8MShares
$11.5MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 87% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 8 of 61).
  • Widest gap: nonperforming loans / loans trails 82% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 50 of 60).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.10%

Rank 40 of 61

Net Interest Margin

4.60%

Rank 8 of 61

Efficiency Ratio

88.08%

Rank 32 of 60

Equity / Assets

12.92%

Rank 27 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.10%-0.02%0.37%0.88%Beats 34%40 / 61
Return on Equity0.77%-0.25%2.65%5.53%Beats 33%41 / 61
Net Interest Margin4.60%3.07%3.57%4.09%Beats 87%8 / 61
Efficiency Ratio88.08%71.78%87.58%95.00%Beats 48%32 / 60
Asset Quality
Nonperforming Loans / Loans2.57%0.44%1.06%1.85%Beats 18%50 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.92%9.78%12.37%17.30%Beats 56%27 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.92%9.78%12.37%17.30%Beats 56%27 / 61
Liquidity & Funding
Loans / Deposits76.91%37.27%62.33%76.91%74th pctl16 / 61
Loans / Assets64.74%30.13%54.75%64.37%75th pctl15 / 61
Brokered Deposits / Depositsn/aNot reported for this institution