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Truenergy

Springfield, VA · Charter 3323

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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

17

Q2 2024Q2 2026peer median

Efficiency

62

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

Truenergy

Springfield, VA · Charter 3323

NCUA · 2 branches

Q2 2026

$125.7MAssets
$93.4MLoans
$109.6MShares
$15.8MNet 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 0.28%, up 26 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.74% of loans (-35 bps YoY).
  • Capital: net worth / assets of 12.55%, up 17 bps from a year ago.
  • Funding: loans stand at 85.18% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.28%+26 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+34 bps YoY

Efficiency Ratio (YTD, annualized)

85.57%-20 bps YoY

Net Worth / Assets

12.55%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.02%0.19%0.09%0.32%0.28%+26 bps
Return on Equity0.17%1.53%0.74%2.66%2.23%+206 bps
Net Interest Margin3.69%3.79%3.79%4.01%4.03%+34 bps
Efficiency Ratio85.77%82.80%84.56%84.71%85.57%-20 bps
Growth
Asset Growth (YoY)-0.34%-1.49%-1.43%0.51%-0.36%-2 bps
Loan Growth (YoY)-3.78%-0.03%1.18%5.60%4.80%+858 bps
Share Growth (YoY)-0.70%-1.98%-2.01%0.38%-0.58%+12 bps
Asset Quality
Delinquent Loans / Loans1.09%1.42%2.00%0.87%0.74%-35 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 Capital12.38%12.72%12.60%12.18%12.55%+17 bps
Net Worth / Assets12.38%12.72%12.60%12.18%12.55%+17 bps
Liquidity & Funding
Loans / Shares80.81%85.47%85.09%83.63%85.18%+437 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

Truenergy

Springfield, VA · Charter 3323 · 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

$125.7MAssets
$93.4MLoans
$109.6MShares
$15.8MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 69% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 19 of 61).
  • Widest gap: return on equity trails 57% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 35 of 61).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.28%

Rank 34 of 61

Net Interest Margin

4.03%

Rank 19 of 61

Efficiency Ratio

85.56%

Rank 24 of 60

Equity / Assets

12.55%

Rank 28 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.28%-0.02%0.37%0.88%Beats 44%34 / 61
Return on Equity2.23%-0.25%2.65%5.53%Beats 43%35 / 61
Net Interest Margin4.03%3.07%3.57%4.09%Beats 69%19 / 61
Efficiency Ratio85.56%71.78%87.58%95.00%Beats 62%24 / 60
Asset Quality
Nonperforming Loans / Loans0.74%0.44%1.06%1.85%Beats 62%24 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.55%9.78%12.37%17.30%Beats 54%28 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.55%9.78%12.37%17.30%Beats 54%28 / 61
Liquidity & Funding
Loans / Deposits85.18%37.27%62.33%76.91%84th pctl10 / 61
Loans / Assets74.30%30.13%54.75%64.37%89th pctl7 / 61
Brokered Deposits / Depositsn/aNot reported for this institution