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Strategic

Sterling, VA · Charter 21319

NCUA · 2 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

30

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

55

Q2 2024Q2 2026peer median

Efficiency

35

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

Strategic

Sterling, VA · Charter 21319

NCUA · 2 branches

Q2 2026

$23.1MAssets
$15.4MLoans
$20.6MShares
$2.4MNet 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 0.40%, down 8 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 1.11% of loans (+29 bps YoY).
  • Capital: net worth / assets of 10.32%, up 60 bps from a year ago.
  • Funding: loans stand at 74.80% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.40%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.73%-20 bps YoY

Efficiency Ratio (YTD, annualized)

90.14%+966 bps YoY

Net Worth / Assets

10.32%+60 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.61%0.65%0.54%0.40%-8 bps
Return on Equity4.89%6.08%6.56%5.32%3.84%-104 bps
Net Interest Margin3.92%4.02%3.95%3.65%3.73%-20 bps
Efficiency Ratio80.48%79.62%79.62%87.01%90.14%+966 bps
Growth
Asset Growth (YoY)4.42%1.90%2.46%0.68%0.29%-413 bps
Loan Growth (YoY)2.62%4.59%-0.88%-8.97%-9.76%-1,238 bps
Share Growth (YoY)4.44%1.80%2.01%-0.03%-0.24%-469 bps
Asset Quality
Delinquent Loans / Loans0.82%0.91%0.73%1.15%1.11%+29 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 Capital9.73%9.99%9.93%10.08%10.32%+60 bps
Net Worth / Assets9.73%9.99%9.93%10.08%10.32%+60 bps
Liquidity & Funding
Loans / Shares82.69%82.43%78.71%73.78%74.80%-789 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

Strategic

Sterling, VA · Charter 21319 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)

NCUA · 2 branches

Q2 2026

$23.1MAssets
$15.4MLoans
$20.6MShares
$2.4MNet Worth

Executive Summary

  • Strongest standing: net interest margin 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: equity / assets trails 70% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 43 of 61).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.40%

Rank 28 of 61

Net Interest Margin

3.73%

Rank 23 of 61

Efficiency Ratio

90.30%

Rank 40 of 60

Equity / Assets

10.33%

Rank 43 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.40%-0.02%0.37%0.88%Beats 54%28 / 61
Return on Equity3.86%-0.25%2.65%5.53%Beats 56%27 / 61
Net Interest Margin3.73%3.07%3.57%4.09%Beats 62%23 / 61
Efficiency Ratio90.30%71.78%87.58%95.00%Beats 35%40 / 60
Asset Quality
Nonperforming Loans / Loans1.11%0.44%1.06%1.85%Beats 47%33 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.33%9.78%12.37%17.30%Beats 30%43 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.33%9.78%12.37%17.30%Beats 30%43 / 61
Liquidity & Funding
Loans / Deposits74.80%37.27%62.33%76.91%72nd pctl17 / 61
Loans / Assets66.88%30.13%54.75%64.37%79th pctl13 / 61
Brokered Deposits / Depositsn/aNot reported for this institution