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Capital Area Realtors

Rockville, MD · Charter 20543

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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

13

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

50

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

Capital Area Realtors

Rockville, MD · Charter 20543

NCUA · 1 branch

Q2 2026

$15.7MAssets
$9.3MLoans
$13.5MShares
$2.2MNet 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 -0.15%, down 130 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 3.89% of loans (-245 bps YoY).
  • Capital: net worth / assets of 14.10%, up 429 bps from a year ago.
  • Funding: loans stand at 69.13% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.15%-130 bps YoY

Net Interest Margin (YTD, annualized)

3.10%-22 bps YoY

Efficiency Ratio (YTD, annualized)

87.65%+1,232 bps YoY

Net Worth / Assets

14.10%+429 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%0.66%0.32%0.23%-0.15%-130 bps
Return on Equity11.72%7.49%3.08%1.65%-1.09%-1,281 bps
Net Interest Margin3.31%2.75%3.23%3.06%3.10%-22 bps
Efficiency Ratio75.33%78.52%89.55%68.77%87.65%+1,232 bps
Growth
Asset Growth (YoY)11.62%22.84%-11.13%-32.65%-32.88%-4,449 bps
Loan Growth (YoY)30.60%4.51%8.36%-31.96%-38.39%-6,900 bps
Share Growth (YoY)13.28%24.80%-12.61%-36.39%-36.35%-4,963 bps
Asset Quality
Delinquent Loans / Loans6.34%3.87%3.95%3.57%3.89%-245 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 Capital9.82%8.75%10.27%13.93%14.10%+429 bps
Net Worth / Assets9.82%8.75%10.27%13.93%14.10%+429 bps
Liquidity & Funding
Loans / Shares71.42%55.64%65.29%74.31%69.13%-230 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

Capital Area Realtors

Rockville, MD · Charter 20543 · 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

$15.7MAssets
$9.3MLoans
$13.5MShares
$2.2MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 62% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 23 of 61).
  • Widest gap: nonperforming loans / loans trails 87% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 53 of 60).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-0.15%

Rank 50 of 61

Net Interest Margin

3.10%

Rank 44 of 61

Efficiency Ratio

87.58%

Rank 31 of 60

Equity / Assets

14.10%

Rank 23 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.15%-0.02%0.37%0.88%Beats 18%50 / 61
Return on Equity-1.08%-0.25%2.65%5.53%Beats 18%50 / 61
Net Interest Margin3.10%3.07%3.57%4.09%Beats 28%44 / 61
Efficiency Ratio87.58%71.78%87.58%95.00%Beats 50%31 / 60
Asset Quality
Nonperforming Loans / Loans3.89%0.44%1.06%1.85%Beats 13%53 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.10%9.78%12.37%17.30%Beats 62%23 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.10%9.78%12.37%17.30%Beats 62%23 / 61
Liquidity & Funding
Loans / Deposits69.13%37.27%62.33%76.91%62nd pctl23 / 61
Loans / Assets59.11%30.13%54.75%64.37%61st pctl24 / 61
Brokered Deposits / Depositsn/aNot reported for this institution