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Pepco

Washington, DC · Charter 367

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

8

Q2 2024Q2 2026peer median (50)

Asset Quality

7

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

19

Q2 2024Q2 2026peer median

Efficiency

10

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 2026-10-10

Pepco

Washington, DC · Charter 367

NCUA · 2 branches

Q2 2026

$33.0MAssets
$9.8MLoans
$30.8MShares
$2.5MNet 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 -1.74%, down 167 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 8.42% of loans (+468 bps YoY).
  • Capital: net worth / assets of 7.66%, down 40 bps from a year ago.
  • Funding: loans stand at 31.84% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.74%-167 bps YoY

Net Interest Margin (YTD, annualized)

3.10%-30 bps YoY

Efficiency Ratio (YTD, annualized)

129.48%+2,445 bps YoY

Net Worth / Assets

7.66%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.06%0.82%0.06%-2.01%-1.74%-167 bps
Return on Equity-0.79%9.15%0.74%-25.42%-22.66%-2,188 bps
Net Interest Margin3.40%3.78%3.16%3.03%3.10%-30 bps
Efficiency Ratio105.04%88.35%100.59%152.31%129.48%+2,445 bps
Growth
Asset Growth (YoY)2.55%1.03%0.54%-2.27%-5.12%-767 bps
Loan Growth (YoY)28.19%10.43%11.56%23.67%15.32%-1,287 bps
Share Growth (YoY)2.44%3.30%2.86%0.20%-3.38%-582 bps
Asset Quality
Delinquent Loans / Loans3.74%5.32%5.88%7.32%8.42%+468 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 Capital8.07%8.97%8.52%7.91%7.66%-40 bps
Net Worth / Assets8.07%8.97%8.52%7.91%7.66%-40 bps
Liquidity & Funding
Loans / Shares26.68%26.14%27.13%30.27%31.84%+516 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

Pepco

Washington, DC · Charter 367 · 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

$33.0MAssets
$9.8MLoans
$30.8MShares
$2.5MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 26% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 45 of 61).
  • Widest gap: return on equity trails 97% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 59 of 61).
  • Overall: at or above the peer median on 0 of 7 directional measures.

Return on Assets

-1.74%

Rank 58 of 61

Net Interest Margin

3.10%

Rank 45 of 61

Efficiency Ratio

129.68%

Rank 55 of 60

Equity / Assets

7.66%

Rank 56 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.74%-0.02%0.37%0.88%Beats 5%58 / 61
Return on Equity-22.66%-0.25%2.65%5.53%Beats 3%59 / 61
Net Interest Margin3.10%3.07%3.57%4.09%Beats 26%45 / 61
Efficiency Ratio129.68%71.78%87.58%95.00%Beats 10%55 / 60
Asset Quality
Nonperforming Loans / Loans8.42%0.44%1.06%1.85%Beats 7%57 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio7.66%9.78%12.37%17.30%Beats 8%56 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets7.66%9.78%12.37%17.30%Beats 8%56 / 61
Liquidity & Funding
Loans / Deposits31.84%37.27%62.33%76.91%16th pctl51 / 61
Loans / Assets29.78%30.13%54.75%64.37%23rd pctl47 / 61
Brokered Deposits / Depositsn/aNot reported for this institution