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None Suffer Lack

Suitland, MD · Charter 24657

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 assets3

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 (n=1,681 to 1,683). 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

87

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

99

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

None Suffer Lack

Suitland, MD · Charter 24657

NCUA · 1 branch

Q2 2026

$27.9MAssets
$2.6MLoans
$22.3MShares
$5.6MNet 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 2.07%, up 43 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.12% of loans (+12 bps YoY).
  • Capital: net worth / assets of 20.14%, up 146 bps from a year ago.
  • Funding: loans stand at 11.71% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.07%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.08%+43 bps YoY

Efficiency Ratio (YTD, annualized)

41.10%-803 bps YoY

Net Worth / Assets

20.14%+146 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.63%1.77%1.94%1.88%2.07%+43 bps
Return on Equity8.75%9.51%10.22%9.81%10.27%+152 bps
Net Interest Margin2.65%2.72%2.79%2.95%3.08%+43 bps
Efficiency Ratio49.13%47.68%45.69%39.64%41.10%-803 bps
Growth
Asset Growth (YoY)9.37%10.86%9.24%7.78%4.76%-461 bps
Loan Growth (YoY)14.26%34.14%25.77%10.54%2.56%-1,170 bps
Share Growth (YoY)8.94%10.76%8.56%6.72%2.86%-609 bps
Asset Quality
Delinquent Loans / Loans0.00%0.03%0.00%0.00%0.12%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.68%18.64%19.00%19.15%20.14%+146 bps
Net Worth / Assets18.68%18.64%19.00%19.15%20.14%+146 bps
Liquidity & Funding
Loans / Shares11.74%12.32%11.49%11.35%11.71%-3 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

None Suffer Lack

Suitland, MD · Charter 24657 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$27.9MAssets
$2.6MLoans
$22.3MShares
$5.6MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 99% of credit unions under $1B in assets (rank 22 of 1682).
  • Widest gap: net interest margin trails 83% of credit unions under $1B in assets (rank 1399 of 1683).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

2.07%

Rank 69 of 1,683

Net Interest Margin

3.09%

Rank 1,399 of 1,683

Efficiency Ratio

41.01%

Rank 22 of 1,682

Equity / Assets

20.14%

Rank 220 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.07%0.35%0.74%1.18%Beats 96%69 / 1,683
Return on Equity10.27%2.67%5.89%8.74%Beats 85%259 / 1,681
Net Interest Margin3.09%3.31%3.82%4.32%Beats 17%1,399 / 1,683
Efficiency Ratio41.01%68.91%78.20%86.93%Beats 99%22 / 1,682
Asset Quality
Nonperforming Loans / Loans0.11%0.26%0.65%1.29%Beats 85%249 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio20.14%10.44%12.89%16.53%Beats 87%220 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets20.14%10.44%12.89%16.53%Beats 87%220 / 1,683
Liquidity & Funding
Loans / Deposits11.71%52.61%69.38%83.50%1st pctl1,674 / 1,683
Loans / Assets9.35%44.71%59.18%70.72%1st pctl1,673 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution