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Patent and Trademark Office

Alexandria, VA · Charter 4936

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 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

3

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

66

Q2 2024Q2 2026peer median

Efficiency

38

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

Patent and Trademark Office

Alexandria, VA · Charter 4936

NCUA · 1 branch

Q2 2026

$40.1MAssets
$18.4MLoans
$37.1MShares
$2.8MNet 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 0.37%, down 30 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 2.59% of loans (+123 bps YoY).
  • Capital: net worth / assets of 7.09%, down 10 bps from a year ago.
  • Funding: loans stand at 49.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.57%0 bps YoY

Efficiency Ratio (YTD, annualized)

89.39%+573 bps YoY

Net Worth / Assets

7.09%-10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.63%0.59%0.59%0.37%-30 bps
Return on Equity9.34%8.67%7.99%8.49%5.29%-405 bps
Net Interest Margin3.57%3.60%3.67%3.54%3.57%0 bps
Efficiency Ratio83.66%84.68%84.25%84.01%89.39%+573 bps
Growth
Asset Growth (YoY)0.50%-0.87%-0.06%0.12%0.78%+28 bps
Loan Growth (YoY)13.32%4.50%-10.48%-19.75%-20.23%-3,355 bps
Share Growth (YoY)0.55%-1.29%-0.75%-0.12%0.29%-26 bps
Asset Quality
Delinquent Loans / Loans1.36%2.07%3.55%2.69%2.59%+123 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 Capital7.19%7.29%7.33%6.97%7.09%-10 bps
Net Worth / Assets7.19%7.29%7.33%6.97%7.09%-10 bps
Liquidity & Funding
Loans / Shares62.29%59.40%55.42%50.33%49.55%-1,274 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

Patent and Trademark Office

Alexandria, VA · Charter 4936 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)

NCUA · 1 branch

Q2 2026

$40.1MAssets
$18.4MLoans
$37.1MShares
$2.8MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 70% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 18 of 61).
  • Widest gap: equity / assets 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 1 of 7 directional measures.

Return on Assets

0.37%

Rank 31 of 61

Net Interest Margin

3.57%

Rank 31 of 61

Efficiency Ratio

89.43%

Rank 38 of 60

Equity / Assets

7.09%

Rank 59 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.37%-0.02%0.37%0.88%Beats 49%31 / 61
Return on Equity5.27%-0.25%2.65%5.53%Beats 70%18 / 61
Net Interest Margin3.57%3.07%3.57%4.09%Beats 49%31 / 61
Efficiency Ratio89.43%71.78%87.58%95.00%Beats 38%38 / 60
Asset Quality
Nonperforming Loans / Loans2.59%0.44%1.06%1.85%Beats 15%52 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio7.09%9.78%12.37%17.30%Beats 3%59 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets7.09%9.78%12.37%17.30%Beats 3%59 / 61
Liquidity & Funding
Loans / Deposits49.55%37.27%62.33%76.91%34th pctl40 / 61
Loans / Assets45.84%30.13%54.75%64.37%43rd pctl35 / 61
Brokered Deposits / Depositsn/aNot reported for this institution