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Jones Methodist Church

Burlingame, CA · Charter 64892

NCUA · 1 branch

Q1 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 San Francisco-Oakland-Fremont, CA area3

Basis

Quarter: Q1 2026, the quarter ended March 31, 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 San Francisco-Oakland-Fremont, CA area (n=23). 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

83

Q2 2024Q1 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2025peer median (50)

Profitability

13

Q2 2024Q1 2026peer median (50)

Liquidity

0

Q2 2024Q1 2026peer median

Efficiency

26

Q2 2024Q1 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

Jones Methodist Church

Burlingame, CA · Charter 64892

NCUA · 1 branch

Q1 2026

$257KAssets
$0KLoans
$209KShares
$48KNet 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 -1.03%, down 88 bps year over year; NIM at 2.57%.
  • Capital: net worth / assets of 18.54%, up 275 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.03%-88 bps YoY

Net Interest Margin (YTD, annualized)

2.57%+228 bps YoY

Efficiency Ratio (YTD, annualized)

139.95%-1,005 bps YoY

Net Worth / Assets

18.54%+275 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets-0.15%-1.86%-0.89%-0.80%-1.03%-88 bps
Return on Equity-0.92%-10.81%-4.99%-4.30%-5.55%-462 bps
Net Interest Margin0.29%0.24%0.35%0.97%2.57%+228 bps
Efficiency Ratio150.00%862%n/a327%139.95%-1,005 bps
Growth
Asset Growth (YoY)22.86%7.28%13.50%8.80%-19.28%-4,215 bps
Loan Growth (YoY)-50.49%-97.49%-100.00%-100.00%-100.00%-4,951 bps
Share Growth (YoY)29.08%10.81%18.16%12.33%-21.63%-5,071 bps
Asset Quality
Delinquent Loans / Loans100.00%0.00%n/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans15.37%322%n/an/an/an/a
Capital
Risk-Based Capital15.79%17.17%17.93%18.61%18.54%+275 bps
Net Worth / Assets15.79%17.17%17.93%18.61%18.54%+275 bps
Liquidity & Funding
Loans / Shares4.65%0.26%0.00%0.00%0.00%-465 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

Jones Methodist Church

Burlingame, CA · Charter 64892 · Peer group: credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=23)

NCUA · 1 branch

Q1 2026

$257KAssets
$0KLoans
$209KShares
$48KNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 83% of credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (rank 4 of 23).
  • Widest gap: return on assets trails 100% of credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (rank 23 of 23).
  • Overall: at or above the peer median on 2 of 6 directional measures.

Return on Assets

-1.56%

Rank 23 of 23

Net Interest Margin

3.11%

Rank 15 of 23

Efficiency Ratio

100.00%

Rank 19 of 23

Equity / Assets

18.68%

Rank 4 of 23

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.56%-0.07%0.52%0.80%Beats 0%23 / 23
Return on Equity-8.33%-0.64%2.96%6.57%Beats 4%22 / 23
Net Interest Margin3.11%2.67%3.21%3.90%Beats 35%15 / 23
Efficiency Ratio100.00%67.71%82.50%97.19%Beats 26%19 / 23
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio18.54%10.55%12.21%17.47%Beats 83%4 / 23
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets18.68%10.55%12.21%17.47%Beats 83%4 / 23
Liquidity & Funding
Loans / Deposits0.00%39.69%52.02%61.86%0th pctl23 / 23
Loans / Assets0.00%25.98%46.05%53.18%0th pctl23 / 23
Brokered Deposits / Depositsn/aNot reported for this institution