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Mt. Jezreel

Silver Spring, MD · Charter 24246

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

80

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

7

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

Mt. Jezreel

Silver Spring, MD · Charter 24246

NCUA · 1 branch

Q2 2026

$191KAssets
$2KLoans
$152KShares
$38KNet 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 -0.03%, down 91 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 20.14%, up 442 bps from a year ago.
  • Funding: loans stand at 1.10% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.03%-91 bps YoY

Net Interest Margin (YTD, annualized)

2.51%+24 bps YoY

Efficiency Ratio (YTD, annualized)

101.14%+3,403 bps YoY

Net Worth / Assets

20.14%+442 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%1.50%1.14%-0.29%-0.03%-91 bps
Return on Equity5.60%9.19%7.40%-1.58%-0.15%-575 bps
Net Interest Margin2.26%2.21%1.67%2.17%2.51%+24 bps
Efficiency Ratio67.11%51.88%51.88%112.63%101.14%+3,403 bps
Growth
Asset Growth (YoY)-0.77%-2.40%-0.33%-8.81%-17.18%-1,641 bps
Loan Growth (YoY)-50.81%-42.12%-36.00%-59.41%-65.32%-1,450 bps
Share Growth (YoY)-2.24%-4.42%-0.39%-11.89%-21.52%-1,928 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.69%7.84%7.84%15.31%22.18%+1,449 bps
Capital
Risk-Based Capital15.72%16.31%15.36%18.17%20.14%+442 bps
Net Worth / Assets15.72%16.31%15.36%18.17%20.14%+442 bps
Liquidity & Funding
Loans / Shares2.49%2.45%2.45%1.41%1.10%-139 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

Mt. Jezreel

Silver Spring, MD · Charter 24246 · 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

$191KAssets
$2KLoans
$152KShares
$38KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 11 of 60).
  • Widest gap: net interest margin trails 95% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 58 of 61).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.00%

Rank 45 of 61

Net Interest Margin

2.09%

Rank 58 of 61

Efficiency Ratio

150.00%

Rank 59 of 60

Equity / Assets

19.90%

Rank 12 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 Margin2.09%3.07%3.57%4.09%Beats 5%58 / 61
Efficiency Ratio150.00%71.78%87.58%95.00%Beats 7%59 / 60
Asset Quality
Nonperforming Loans / Loans0.00%0.44%1.06%1.85%Beats 100%11 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio19.90%9.78%12.37%17.30%Beats 80%12 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets19.90%9.78%12.37%17.30%Beats 80%12 / 61
Liquidity & Funding
Loans / Deposits1.32%37.27%62.33%76.91%2nd pctl60 / 61
Loans / Assets1.05%30.13%54.75%64.37%2nd pctl60 / 61
Brokered Deposits / Depositsn/aNot reported for this institution