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Mount Pleasant Baptist Church

Alexandria, VA · Charter 24640

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

74

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

97

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

Mount Pleasant Baptist Church

Alexandria, VA · Charter 24640

NCUA · 1 branch

Q2 2026

$370KAssets
$18KLoans
$305KShares
$64KNet 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 3.02%, down 52 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 17.43%, up 44 bps from a year ago.
  • Funding: loans stand at 5.77% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

3.02%-52 bps YoY

Net Interest Margin (YTD, annualized)

2.94%-47 bps YoY

Efficiency Ratio (YTD, annualized)

24.39%+217 bps YoY

Net Worth / Assets

17.43%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.54%3.06%2.37%3.90%3.02%-52 bps
Return on Equity20.85%17.67%13.78%22.57%17.35%-349 bps
Net Interest Margin3.41%3.51%3.22%2.92%2.94%-47 bps
Efficiency Ratio22.22%29.06%38.04%22.34%24.39%+217 bps
Growth
Asset Growth (YoY)8.02%7.34%7.53%9.65%8.44%+42 bps
Loan Growth (YoY)38.58%31.73%28.73%-4.25%-43.49%-8,206 bps
Share Growth (YoY)4.51%4.95%6.38%8.45%7.86%+335 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 / Loans14.14%15.96%19.87%23.26%25.02%+1,088 bps
Capital
Risk-Based Capital16.99%17.32%17.22%17.29%17.43%+44 bps
Net Worth / Assets16.99%17.32%17.22%17.29%17.43%+44 bps
Liquidity & Funding
Loans / Shares11.00%9.88%7.84%6.35%5.77%-524 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

Mount Pleasant Baptist Church

Alexandria, VA · Charter 24640 · 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

$370KAssets
$18KLoans
$305KShares
$64KNet 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 85% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 52 of 61).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

3.24%

Rank 2 of 61

Net Interest Margin

2.70%

Rank 52 of 61

Efficiency Ratio

28.57%

Rank 3 of 60

Equity / Assets

17.30%

Rank 16 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets3.24%-0.02%0.37%0.88%Beats 97%2 / 61
Return on Equity18.75%-0.25%2.65%5.53%Beats 98%1 / 61
Net Interest Margin2.70%3.07%3.57%4.09%Beats 15%52 / 61
Efficiency Ratio28.57%71.78%87.58%95.00%Beats 97%3 / 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 Ratio17.30%9.78%12.37%17.30%Beats 74%16 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.30%9.78%12.37%17.30%Beats 74%16 / 61
Liquidity & Funding
Loans / Deposits5.90%37.27%62.33%76.91%3rd pctl59 / 61
Loans / Assets4.86%30.13%54.75%64.37%3rd pctl59 / 61
Brokered Deposits / Depositsn/aNot reported for this institution