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Eastern Panhandle

Martinsburg, WV · Charter 19890

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

46

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

87

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

80

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

Eastern Panhandle

Martinsburg, WV · Charter 19890

NCUA · 1 branch

Q2 2026

$18.8MAssets
$11.5MLoans
$16.4MShares
$2.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.34%, down 43 bps year over year; NIM at 4.89%.
  • Asset quality: problem loans at 0.16% of loans (-20 bps YoY).
  • Capital: net worth / assets of 12.18%, up 82 bps from a year ago.
  • Funding: loans stand at 70.19% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.34%-43 bps YoY

Net Interest Margin (YTD, annualized)

4.89%-26 bps YoY

Efficiency Ratio (YTD, annualized)

68.87%-474 bps YoY

Net Worth / Assets

12.18%+82 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.68%1.50%1.77%1.78%1.43%0.04%1.34%-43 bps
Return on Equity4.17%6.41%13.96%15.59%15.52%12.21%0.36%10.98%-461 bps
Net Interest Margin5.10%5.16%5.00%5.15%5.04%4.93%4.89%4.89%-26 bps
Efficiency Ratio69.71%71.36%77.29%73.61%72.84%77.71%79.88%68.87%-474 bps
Growth
Asset Growth (YoY)-8.67%-5.05%-3.15%-6.67%4.82%3.52%0.88%3.60%+1,026 bps
Loan Growth (YoY)-6.84%-6.20%-3.29%-6.20%-9.03%-10.68%-14.59%-13.04%-685 bps
Share Growth (YoY)-9.98%-5.84%-4.28%-8.23%3.46%2.24%-0.11%2.68%+1,091 bps
Asset Quality
Delinquent Loans / Loans0.14%0.15%0.36%0.36%0.11%0.40%0.76%0.16%-20 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 Capital10.29%10.63%10.73%11.36%11.50%11.70%11.70%12.18%+82 bps
Net Worth / Assets10.29%10.63%10.73%11.36%11.50%11.70%11.70%12.18%+82 bps
Liquidity & Funding
Loans / Shares87.61%86.18%84.76%82.88%77.04%75.29%72.48%70.19%-1,269 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

Eastern Panhandle

Martinsburg, WV · Charter 19890 · 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

$18.8MAssets
$11.5MLoans
$16.4MShares
$2.3MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 90% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 6 of 61).
  • Widest gap: equity / assets trails 54% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 33 of 61).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.34%

Rank 11 of 61

Net Interest Margin

4.89%

Rank 6 of 61

Efficiency Ratio

68.91%

Rank 13 of 60

Equity / Assets

12.18%

Rank 33 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.34%-0.02%0.37%0.88%Beats 82%11 / 61
Return on Equity11.01%-0.25%2.65%5.53%Beats 89%7 / 61
Net Interest Margin4.89%3.07%3.57%4.09%Beats 90%6 / 61
Efficiency Ratio68.91%71.78%87.58%95.00%Beats 80%13 / 60
Asset Quality
Nonperforming Loans / Loans0.16%0.44%1.06%1.85%Beats 80%13 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.18%9.78%12.37%17.30%Beats 46%33 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.18%9.78%12.37%17.30%Beats 46%33 / 61
Liquidity & Funding
Loans / Deposits70.19%37.27%62.33%76.91%67th pctl20 / 61
Loans / Assets61.29%30.13%54.75%64.37%62nd pctl23 / 61
Brokered Deposits / Depositsn/aNot reported for this institution