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E L C O

Elberton, GA · Charter 22083

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

82

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

85

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

E L C O

Elberton, GA · Charter 22083

NCUA · 1 branch

Q2 2026

$5.3MAssets
$3.8MLoans
$4.2MShares
$1.1MNet Worth

Return on Assets (YTD, annualized)

1.45%+37 bps YoY

Net Interest Margin (YTD, annualized)

4.07%-24 bps YoY

Efficiency Ratio (YTD, annualized)

56.99%-502 bps YoY

Net Worth / Assets

20.10%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets1.27%1.15%0.78%1.08%1.49%1.62%1.07%1.45%+37 bps
Net Interest Margin4.49%4.58%4.14%4.31%4.48%4.52%3.84%4.07%-24 bps
Asset Growth (YoY)3.38%3.84%5.25%6.60%7.00%8.04%8.04%6.72%+12 bps
Share Growth (YoY)2.10%2.75%4.74%6.47%6.70%7.44%7.70%5.87%-60 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital19.65%20.24%19.81%19.58%19.65%20.35%19.99%20.10%+52 bps
Loans / Shares84.29%84.56%84.30%82.60%87.53%89.56%90.87%90.23%+763 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

E L C O

Elberton, GA · Charter 22083 · 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

$5.3MAssets
$3.8MLoans
$4.2MShares
$1.1MNet Worth

Return on Assets

1.47%

Rank 10 of 61

Net Interest Margin

4.10%

Rank 14 of 61

Efficiency Ratio

56.30%

Rank 10 of 60

Equity / Assets

20.09%

Rank 11 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets1.47%-0.02%0.37%0.88%Beats 84%10 / 61
Net Interest Margin4.10%3.07%3.57%4.09%Beats 77%14 / 61
Nonperforming Loans / Loans0.77%0.44%1.06%1.85%Beats 58%26 / 60
Tier 1 Capital Ratio20.09%9.78%12.37%17.30%Beats 82%11 / 61
Equity / Assets20.09%9.78%12.37%17.30%Beats 82%11 / 61
Loans / Assets70.62%30.13%54.75%64.37%80th pctl12 / 61