PackageTrendsPeer
Letter portraitLegal landscape

PWC Employees

Woodbridge, VA · Charter 24971

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 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

61

Q1 2025Q2 2026peer median (50)

Asset Quality

42

Q1 2025Q2 2026peer median (50)

Profitability

59

Q1 2025Q2 2026peer median (50)

Liquidity

34

Q1 2025Q2 2026peer median

Efficiency

68

Q1 2025Q2 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 2026-10-10

PWC Employees

Woodbridge, VA · Charter 24971

NCUA · 2 branches

Q2 2026

$86.3MAssets
$28.1MLoans
$75.4MShares
$12.1MNet 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 0.62%, down 2 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 1.27% of loans (+7 bps YoY).
  • Capital: net worth / assets of 13.96%, down 9 bps from a year ago.
  • Funding: loans stand at 37.27% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.62%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.59%-9 bps YoY

Efficiency Ratio (YTD, annualized)

79.66%+348 bps YoY

Net Worth / Assets

13.96%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.65%0.63%0.76%0.62%-2 bps
Return on Equity4.50%4.64%4.46%5.46%4.41%-9 bps
Net Interest Margin3.67%3.64%3.64%3.47%3.59%-9 bps
Efficiency Ratio76.18%76.20%77.71%78.98%79.66%+348 bps
Growth
Asset Growth (YoY)n/an/an/a7.16%5.25%n/a
Loan Growth (YoY)n/an/an/a-11.38%-11.50%n/a
Share Growth (YoY)n/an/an/a7.33%4.68%n/a
Asset Quality
Delinquent Loans / Loans1.20%1.17%1.35%0.80%1.27%+7 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 Capital14.05%13.96%14.13%14.01%13.96%-9 bps
Net Worth / Assets14.05%13.96%14.13%14.01%13.96%-9 bps
Liquidity & Funding
Loans / Shares44.08%41.79%40.88%38.09%37.27%-681 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 2026-10-10

PWC Employees

Woodbridge, VA · Charter 24971 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)

NCUA · 2 branches

Q2 2026

$86.3MAssets
$28.1MLoans
$75.4MShares
$12.1MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 68% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 20 of 60).
  • Widest gap: nonperforming loans / loans trails 58% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 36 of 60).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

0.62%

Rank 20 of 61

Net Interest Margin

3.59%

Rank 29 of 61

Efficiency Ratio

79.62%

Rank 20 of 60

Equity / Assets

13.96%

Rank 24 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.62%-0.02%0.37%0.88%Beats 67%20 / 61
Return on Equity4.41%-0.25%2.65%5.53%Beats 59%25 / 61
Net Interest Margin3.59%3.07%3.57%4.09%Beats 52%29 / 61
Efficiency Ratio79.62%71.78%87.58%95.00%Beats 68%20 / 60
Asset Quality
Nonperforming Loans / Loans1.27%0.44%1.06%1.85%Beats 42%36 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.96%9.78%12.37%17.30%Beats 61%24 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.96%9.78%12.37%17.30%Beats 61%24 / 61
Liquidity & Funding
Loans / Deposits37.27%37.27%62.33%76.91%25th pctl46 / 61
Loans / Assets32.56%30.13%54.75%64.37%26th pctl45 / 61
Brokered Deposits / Depositsn/aNot reported for this institution