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Transit Employees

Greenbelt, MD · Charter 3764

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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

67

Q2 2024Q2 2026peer median

Efficiency

22

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

Transit Employees

Greenbelt, MD · Charter 3764

NCUA · 2 branches

Q2 2026

$93.4MAssets
$38.3MLoans
$76.9MShares
$18.1MNet 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 -0.15%, down 40 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 1.21% of loans (+76 bps YoY).
  • Capital: net worth / assets of 19.38%, up 39 bps from a year ago.
  • Funding: loans stand at 49.73% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.15%-40 bps YoY

Net Interest Margin (YTD, annualized)

3.17%-7 bps YoY

Efficiency Ratio (YTD, annualized)

97.56%+360 bps YoY

Net Worth / Assets

19.38%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.23%0.20%-0.22%-0.15%-40 bps
Return on Equity1.32%1.22%1.02%-1.15%-0.80%-211 bps
Net Interest Margin3.25%3.31%3.40%3.13%3.17%-7 bps
Efficiency Ratio93.95%92.47%93.69%101.37%97.56%+360 bps
Growth
Asset Growth (YoY)1.69%-0.34%-3.24%-3.45%-2.61%-430 bps
Loan Growth (YoY)-4.75%-6.41%-6.80%-8.22%-9.68%-493 bps
Share Growth (YoY)-0.99%-2.88%-5.71%-4.74%-3.15%-217 bps
Asset Quality
Delinquent Loans / Loans0.45%0.94%2.30%0.94%1.21%+76 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 Capital18.99%19.11%19.53%19.15%19.38%+39 bps
Net Worth / Assets18.99%19.11%19.53%19.15%19.38%+39 bps
Liquidity & Funding
Loans / Shares53.32%52.96%53.04%50.46%49.73%-359 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

Transit Employees

Greenbelt, MD · Charter 3764 · 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

$93.4MAssets
$38.3MLoans
$76.9MShares
$18.1MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 79% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 13 of 61).
  • Widest gap: return on assets trails 84% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 51 of 61).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

-0.15%

Rank 51 of 61

Net Interest Margin

3.17%

Rank 42 of 61

Efficiency Ratio

97.57%

Rank 48 of 60

Equity / Assets

19.38%

Rank 13 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.15%-0.02%0.37%0.88%Beats 16%51 / 61
Return on Equity-0.80%-0.25%2.65%5.53%Beats 20%49 / 61
Net Interest Margin3.17%3.07%3.57%4.09%Beats 31%42 / 61
Efficiency Ratio97.57%71.78%87.58%95.00%Beats 22%48 / 60
Asset Quality
Nonperforming Loans / Loans1.21%0.44%1.06%1.85%Beats 43%35 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio19.38%9.78%12.37%17.30%Beats 79%13 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets19.38%9.78%12.37%17.30%Beats 79%13 / 61
Liquidity & Funding
Loans / Deposits49.73%37.27%62.33%76.91%36th pctl39 / 61
Loans / Assets40.97%30.13%54.75%64.37%34th pctl40 / 61
Brokered Deposits / Depositsn/aNot reported for this institution