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Peoples Advantage

Petersburg, VA · Charter 17464

NCUA · 5 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 Richmond, VA 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 Richmond, VA area (n=16). 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

81

Q2 2024Q2 2026peer median (50)

Asset Quality

19

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

94

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

Peoples Advantage

Petersburg, VA · Charter 17464

NCUA · 5 branches

Q2 2026

$115.3MAssets
$59.4MLoans
$87.8MShares
$25.5MNet 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 2.88%, down 55 bps year over year; NIM at 4.85%.
  • Asset quality: problem loans at 3.09% of loans (+99 bps YoY).
  • Capital: net worth / assets of 22.15%, down 57 bps from a year ago.
  • Funding: loans stand at 67.63% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.88%-55 bps YoY

Net Interest Margin (YTD, annualized)

4.85%+24 bps YoY

Efficiency Ratio (YTD, annualized)

66.81%+390 bps YoY

Net Worth / Assets

22.15%-57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.44%2.07%1.36%6.55%2.88%-55 bps
Return on Equity15.12%9.40%6.35%29.35%13.02%-210 bps
Net Interest Margin4.61%4.60%4.65%4.77%4.85%+24 bps
Efficiency Ratio62.90%70.64%78.10%48.78%66.81%+390 bps
Growth
Asset Growth (YoY)10.22%11.78%8.29%6.69%7.36%-286 bps
Loan Growth (YoY)5.90%7.82%8.61%8.44%8.97%+307 bps
Share Growth (YoY)5.52%9.13%7.78%9.22%9.27%+375 bps
Asset Quality
Delinquent Loans / Loans2.10%1.76%1.93%2.30%3.09%+99 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 Capital22.72%22.05%21.43%22.30%22.15%-57 bps
Net Worth / Assets22.72%22.05%21.43%22.30%22.15%-57 bps
Liquidity & Funding
Loans / Shares67.82%68.93%68.70%65.67%67.63%-18 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

Peoples Advantage

Petersburg, VA · Charter 17464 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)

NCUA · 5 branches

Q2 2026

$115.3MAssets
$59.4MLoans
$87.8MShares
$25.5MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 94% of credit unions under $1B in assets in the Richmond, VA area (rank 1 of 16).
  • Widest gap: nonperforming loans / loans trails 81% of credit unions under $1B in assets in the Richmond, VA area (rank 14 of 16).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

2.88%

Rank 1 of 16

Net Interest Margin

4.85%

Rank 6 of 16

Efficiency Ratio

66.82%

Rank 2 of 16

Equity / Assets

22.15%

Rank 3 of 16

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.88%0.51%0.86%1.14%Beats 94%1 / 16
Return on Equity13.02%2.74%6.89%10.47%Beats 88%2 / 16
Net Interest Margin4.85%3.59%3.78%5.26%Beats 63%6 / 16
Efficiency Ratio66.82%72.78%78.57%80.89%Beats 94%2 / 16
Asset Quality
Nonperforming Loans / Loans3.10%0.60%1.42%1.93%Beats 19%14 / 16
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio22.15%10.18%10.87%18.48%Beats 81%3 / 16
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets22.15%10.18%10.87%18.48%Beats 81%3 / 16
Liquidity & Funding
Loans / Deposits67.63%55.40%64.78%71.88%63rd pctl6 / 16
Loans / Assets51.47%48.81%51.73%64.39%44th pctl9 / 16
Brokered Deposits / Depositsn/aNot reported for this institution