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African Diaspora

Saint Ann, MO · Charter 24975

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 St. Louis, MO-IL 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 St. Louis, MO-IL area (n=27). 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

0

Q2 2025Q2 2026peer median (50)

Asset Quality

100

Q2 2026Q2 2026peer median (50)

Profitability

2

Q2 2025Q2 2026peer median (50)

Liquidity

0

Q4 2025Q2 2026peer median

Efficiency

4

Q4 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 2026-10-11

African Diaspora

Saint Ann, MO · Charter 24975

NCUA · 1 branch

Q2 2026

$547KAssets
$35KLoans
$492KShares
$-12KNet 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 -17.79%, down 1,779 bps year over year; NIM at 1.64%.
  • Asset quality: problem loans at 0.00% of loans.
  • Capital: net worth / assets of -2.28%, down 10,228 bps from a year ago.
  • Funding: loans stand at 7.06% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-17.79%-1,779 bps YoY

Net Interest Margin (YTD, annualized)

1.64%+164 bps YoY

Efficiency Ratio (YTD, annualized)

304%

Net Worth / Assets

-2.28%-10,228 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.00%0.00%11.06%-0.41%-17.79%-1,779 bps
Return on Equity0.00%0.00%100.00%-10.59%n/an/a
Net Interest Margin0.00%0.00%-0.03%-0.46%1.64%+164 bps
Efficiency Ration/an/a0.00%n/a304%n/a
Growth
Asset Growth (YoY)n/an/an/an/a447%n/an/a
Loan Growth (YoY)n/an/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loansn/an/an/an/a0.00%n/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/a8.11%n/an/a
Capital
Risk-Based Capital100.00%100.00%11.06%3.86%-2.28%-10,228 bps
Net Worth / Assets100.00%100.00%11.06%3.86%-2.28%-10,228 bps
Liquidity & Funding
Loans / Sharesn/an/a0.00%0.00%7.06%n/a
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

African Diaspora

Saint Ann, MO · Charter 24975 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=27)

NCUA · 1 branch

Q2 2026

$547KAssets
$35KLoans
$492KShares
$-12KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 3 of 27).
  • Widest gap: equity / assets trails 100% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 27 of 27).
  • Overall: at or above the peer median on 1 of 6 directional measures.

Return on Assets

-17.92%

Rank 27 of 27

Net Interest Margin

1.46%

Rank 26 of 27

Efficiency Ratio

309%

Rank 27 of 27

Equity / Assets

-2.19%

Rank 27 of 27

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-17.92%0.25%0.67%0.86%Beats 0%27 / 27
Return on Equityn/aNot reported for this institution
Net Interest Margin1.46%3.01%3.75%4.07%Beats 4%26 / 27
Efficiency Ratio309%71.97%77.45%89.37%Beats 4%27 / 27
Asset Quality
Nonperforming Loans / Loans0.00%0.24%0.77%1.40%Beats 100%3 / 27
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio-2.19%9.38%10.56%15.42%Beats 0%27 / 27
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets-2.19%9.38%10.56%15.42%Beats 0%27 / 27
Liquidity & Funding
Loans / Deposits7.11%56.38%74.82%87.76%0th pctl27 / 27
Loans / Assets6.40%50.27%64.80%77.37%0th pctl27 / 27
Brokered Deposits / Depositsn/aNot reported for this institution