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John Wesley Ame Zion Church

Washington, DC · Charter 22323

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

43

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q1 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

88

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

John Wesley Ame Zion Church

Washington, DC · Charter 22323

NCUA · 2 branches

Q2 2026

$80KAssets
$0KLoans
$70KShares
$9KNet 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 -0.33%, down 133 bps year over year; NIM at 1.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.66%, up 223 bps from a year ago.
  • Funding: loans stand at 0.40% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.33%-133 bps YoY

Net Interest Margin (YTD, annualized)

1.45%-73 bps YoY

Efficiency Ratio (YTD, annualized)

124.25%+5,217 bps YoY

Net Worth / Assets

11.66%+223 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%-0.16%0.45%0.02%-0.33%-133 bps
Return on Equity10.69%-1.62%3.56%0.21%-2.80%-1,349 bps
Net Interest Margin2.19%1.68%3.26%2.72%1.45%-73 bps
Efficiency Ratio72.07%105.79%89.40%99.29%124.25%+5,217 bps
Growth
Asset Growth (YoY)7.20%-7.73%-14.80%-14.07%-21.74%-2,894 bps
Loan Growth (YoY)-8.07%-22.74%65.42%-24.02%-80.37%-7,230 bps
Share Growth (YoY)7.53%-8.83%-16.94%-15.79%-23.66%-3,120 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%17.11%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans28.89%16.79%15.00%31.77%100.00%+7,111 bps
Capital
Risk-Based Capital9.43%9.79%12.67%11.62%11.66%+223 bps
Net Worth / Assets9.43%9.79%12.67%11.62%11.66%+223 bps
Liquidity & Funding
Loans / Shares1.57%3.01%4.30%1.84%0.40%-117 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

John Wesley Ame Zion Church

Washington, DC · Charter 22323 · 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

$80KAssets
$0KLoans
$70KShares
$9KNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 88% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 8 of 60).
  • Widest gap: net interest margin trails 92% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 56 of 61).
  • Overall: at or above the peer median on 1 of 6 directional measures.

Return on Assets

0.00%

Rank 45 of 61

Net Interest Margin

2.50%

Rank 56 of 61

Efficiency Ratio

50.00%

Rank 8 of 60

Equity / Assets

11.25%

Rank 35 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.00%-0.02%0.37%0.88%Beats 23%45 / 61
Return on Equity0.00%-0.25%2.65%5.53%Beats 23%45 / 61
Net Interest Margin2.50%3.07%3.57%4.09%Beats 8%56 / 61
Efficiency Ratio50.00%71.78%87.58%95.00%Beats 88%8 / 60
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.25%9.78%12.37%17.30%Beats 43%35 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.25%9.78%12.37%17.30%Beats 43%35 / 61
Liquidity & Funding
Loans / Deposits0.00%37.27%62.33%76.91%0th pctl61 / 61
Loans / Assets0.00%30.13%54.75%64.37%0th pctl61 / 61
Brokered Deposits / Depositsn/aNot reported for this institution