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Messiah Baptist-Jubilee

Brockton, MA · Charter 24043

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 Boston-Cambridge-Newton, MA-NH 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 Boston-Cambridge-Newton, MA-NH area (n=66). 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

85

Q2 2024Q2 2026peer median (50)

Asset Quality

11

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

59

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

Messiah Baptist-Jubilee

Brockton, MA · Charter 24043

NCUA · 1 branch

Q2 2026

$1.1MAssets
$234KLoans
$887KShares
$253KNet 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 1.65%, down 261 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 1.67% of loans (+167 bps YoY).
  • Capital: net worth / assets of 22.20%, up 106 bps from a year ago.
  • Funding: loans stand at 26.43% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.65%-261 bps YoY

Net Interest Margin (YTD, annualized)

3.69%-180 bps YoY

Efficiency Ratio (YTD, annualized)

77.02%+4,940 bps YoY

Net Worth / Assets

22.20%+106 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets4.26%4.00%2.86%6.18%1.65%-261 bps
Return on Equity20.15%18.73%13.17%27.39%7.45%-1,270 bps
Net Interest Margin5.49%5.39%3.63%8.04%3.69%-180 bps
Efficiency Ratio27.62%30.03%27.50%32.97%77.02%+4,940 bps
Growth
Asset Growth (YoY)5.93%8.80%8.87%11.34%8.28%+235 bps
Loan Growth (YoY)-3.85%0.79%-7.26%-11.80%-11.91%-806 bps
Share Growth (YoY)3.62%6.92%7.08%8.70%6.83%+321 bps
Asset Quality
Delinquent Loans / Loans0.00%1.28%1.16%1.17%1.67%+167 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.59%3.81%3.64%4.09%2.26%-133 bps
Capital
Risk-Based Capital21.14%21.35%21.71%22.58%22.20%+106 bps
Net Worth / Assets21.14%21.35%21.71%22.58%22.20%+106 bps
Liquidity & Funding
Loans / Shares32.05%29.01%30.31%26.30%26.43%-562 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

Messiah Baptist-Jubilee

Brockton, MA · Charter 24043 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 1 branch

Q2 2026

$1.1MAssets
$234KLoans
$887KShares
$253KNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 88% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 8 of 66).
  • Widest gap: nonperforming loans / loans trails 89% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 60 of 66).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.58%

Rank 8 of 66

Net Interest Margin

3.68%

Rank 19 of 66

Efficiency Ratio

77.27%

Rank 28 of 66

Equity / Assets

22.19%

Rank 10 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.58%0.38%0.59%1.00%Beats 88%8 / 66
Return on Equity7.11%2.62%4.89%6.39%Beats 82%12 / 66
Net Interest Margin3.68%2.83%3.27%3.84%Beats 71%19 / 66
Efficiency Ratio77.27%68.43%80.15%87.18%Beats 59%28 / 66
Asset Quality
Nonperforming Loans / Loans1.71%0.08%0.48%1.18%Beats 11%60 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio22.19%9.84%13.79%17.21%Beats 85%10 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets22.19%9.84%13.79%17.21%Beats 85%10 / 66
Liquidity & Funding
Loans / Deposits26.38%50.73%71.54%81.61%5th pctl63 / 66
Loans / Assets20.53%40.53%57.05%68.92%3rd pctl64 / 66
Brokered Deposits / Depositsn/aNot reported for this institution