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Hema

Silver Spring, MD · Charter 19514

NCUA · 1 branch

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

25

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

57

Q2 2024Q2 2026peer median

Efficiency

8

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

Hema

Silver Spring, MD · Charter 19514

NCUA · 1 branch

Q2 2026

$16.7MAssets
$6.9MLoans
$15.0MShares
$1.6MNet 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 -0.41%, down 69 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.58% of loans (+5 bps YoY).
  • Capital: net worth / assets of 9.78%, up 12 bps from a year ago.
  • Funding: loans stand at 46.14% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.41%-69 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+21 bps YoY

Efficiency Ratio (YTD, annualized)

131.72%+4,083 bps YoY

Net Worth / Assets

9.78%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.20%0.18%0.47%-0.41%-69 bps
Return on Equity2.83%2.03%1.83%4.69%-4.23%-706 bps
Net Interest Margin2.85%3.00%3.12%3.13%3.06%+21 bps
Efficiency Ratio90.89%93.72%94.37%122.10%131.72%+4,083 bps
Growth
Asset Growth (YoY)-1.70%-4.09%-3.68%-3.79%-4.02%-232 bps
Loan Growth (YoY)13.50%7.31%3.21%-4.11%-7.68%-2,118 bps
Share Growth (YoY)-2.24%-4.71%-4.28%-4.48%-4.28%-204 bps
Asset Quality
Delinquent Loans / Loans0.53%0.60%0.65%0.77%0.58%+5 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 Capital9.66%9.75%10.08%9.99%9.78%+12 bps
Net Worth / Assets9.66%9.75%10.08%9.99%9.78%+12 bps
Liquidity & Funding
Loans / Shares47.84%48.79%49.39%45.95%46.14%-170 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

Hema

Silver Spring, MD · Charter 19514 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)

NCUA · 1 branch

Q2 2026

$16.7MAssets
$6.9MLoans
$15.0MShares
$1.6MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 68% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 20 of 60).
  • Widest gap: efficiency ratio trails 92% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 56 of 60).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

-0.41%

Rank 54 of 61

Net Interest Margin

3.05%

Rank 47 of 61

Efficiency Ratio

131.95%

Rank 56 of 60

Equity / Assets

9.78%

Rank 46 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.41%-0.02%0.37%0.88%Beats 11%54 / 61
Return on Equity-4.18%-0.25%2.65%5.53%Beats 11%54 / 61
Net Interest Margin3.05%3.07%3.57%4.09%Beats 23%47 / 61
Efficiency Ratio131.95%71.78%87.58%95.00%Beats 8%56 / 60
Asset Quality
Nonperforming Loans / Loans0.58%0.44%1.06%1.85%Beats 68%20 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.78%9.78%12.37%17.30%Beats 25%46 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.78%9.78%12.37%17.30%Beats 25%46 / 61
Liquidity & Funding
Loans / Deposits46.15%37.27%62.33%76.91%31st pctl42 / 61
Loans / Assets41.55%30.13%54.75%64.37%38th pctl38 / 61
Brokered Deposits / Depositsn/aNot reported for this institution