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Maun

Kendall Park, NJ · Charter 24925

NCUA · 2 branches

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 New York-Newark-Jersey City, NY-NJ 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 New York-Newark-Jersey City, NY-NJ area (n=158 to 159). 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

48

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

3

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

5

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

Maun

Kendall Park, NJ · Charter 24925

NCUA · 2 branches

Q2 2026

$3.0MAssets
$2.4MLoans
$2.6MShares
$427KNet 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 -2.06%, down 214 bps year over year; NIM at 0.67%.
  • Asset quality: problem loans at 1.36% of loans (+136 bps YoY).
  • Capital: net worth / assets of 14.14%, down 301 bps from a year ago.
  • Funding: loans stand at 93.62% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-2.06%-214 bps YoY

Net Interest Margin (YTD, annualized)

0.67%-33 bps YoY

Efficiency Ratio (YTD, annualized)

126.31%+3,515 bps YoY

Net Worth / Assets

14.14%-301 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.08%-0.40%-0.25%-0.06%-2.06%-214 bps
Return on Equity0.45%-2.37%-1.52%-0.43%-14.60%-1,505 bps
Net Interest Margin1.00%1.00%0.99%0.66%0.67%-33 bps
Efficiency Ratio91.15%104.37%99.44%93.73%126.31%+3,515 bps
Growth
Asset Growth (YoY)43.51%36.03%25.46%35.38%11.08%-3,243 bps
Loan Growth (YoY)20.82%24.93%62.84%78.84%54.30%+3,349 bps
Share Growth (YoY)57.00%47.68%32.78%44.25%15.11%-4,189 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%1.06%1.32%1.36%+136 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.00%1.00%1.00%1.00%1.00%0 bps
Capital
Risk-Based Capital17.15%16.85%16.77%14.53%14.14%-301 bps
Net Worth / Assets17.15%16.85%16.77%14.53%14.14%-301 bps
Liquidity & Funding
Loans / Shares69.84%74.81%87.49%90.73%93.62%+2,378 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

Maun

Kendall Park, NJ · Charter 24925 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)

NCUA · 2 branches

Q2 2026

$3.0MAssets
$2.4MLoans
$2.6MShares
$427KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 48% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 83 of 158).
  • Widest gap: net interest margin trails 99% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 157 of 159).
  • Overall: at or above the peer median on 0 of 7 directional measures.

Return on Assets

-2.06%

Rank 151 of 159

Net Interest Margin

0.66%

Rank 157 of 159

Efficiency Ratio

125.49%

Rank 151 of 158

Equity / Assets

14.15%

Rank 83 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-2.06%0.00%0.40%1.00%Beats 5%151 / 159
Return on Equity-14.52%0.04%2.43%6.24%Beats 4%153 / 159
Net Interest Margin0.66%2.79%3.84%4.44%Beats 1%157 / 159
Efficiency Ratio125.49%74.21%85.84%96.50%Beats 5%151 / 158
Asset Quality
Nonperforming Loans / Loans1.36%0.42%1.27%2.96%Beats 48%83 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.15%10.80%14.61%21.35%Beats 48%83 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.15%10.80%14.61%21.35%Beats 48%83 / 159
Liquidity & Funding
Loans / Deposits93.63%27.85%44.27%75.14%90th pctl16 / 159
Loans / Assets80.38%22.38%35.34%62.74%94th pctl9 / 159
Brokered Deposits / Depositsn/aNot reported for this institution