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Letter portraitLegal landscapeQuarterYTD

Mount Pleasant Baptist Church

Alexandria, VA · Charter 24640

NCUA · 1 branch

Q2 2026

$370KAssets
$18KLoans
$305KShares
$64KNet Worth

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.78%3.85%2.41%3.54%3.06%2.37%3.90%3.02%-52 bps
Return on Equity24.48%23.61%14.73%20.85%17.67%13.78%22.57%17.35%-349 bps
Net Interest Margin3.63%3.44%3.51%3.41%3.51%3.22%2.92%2.94%-47 bps
Efficiency Ratio27.95%26.22%32.84%22.22%29.06%38.04%22.34%24.39%+217 bps
Growth
Asset Growth (YoY)11.17%9.59%8.16%8.02%7.34%7.53%9.65%8.44%+42 bps
Loan Growth (YoY)16.10%10.99%23.81%38.58%31.73%28.73%-4.25%-43.49%-8,206 bps
Share Growth (YoY)8.79%6.21%5.22%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans21.03%25.58%22.27%14.14%15.96%19.87%23.26%25.02%+1,088 bps
Capital
Risk-Based Capital15.43%16.33%16.37%16.99%17.32%17.22%17.29%17.43%+44 bps
Net Worth / Assets15.43%16.33%16.37%16.99%17.32%17.22%17.29%17.43%+44 bps
Liquidity & Funding
Loans / Shares7.87%6.48%7.19%11.00%9.88%7.84%6.35%5.77%-524 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps