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Mt Gilead

Washington, DC · Charter 6506

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

75

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

100

Q3 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

Mt Gilead

Washington, DC · Charter 6506

NCUA · 1 branch

Q2 2026

$78KAssets
$22KLoans
$63KShares
$14KNet 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 1.14%, down 32 bps year over year; NIM at 2.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 17.49%, up 73 bps from a year ago.
  • Funding: loans stand at 35.04% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%-32 bps YoY

Net Interest Margin (YTD, annualized)

2.15%-32 bps YoY

Efficiency Ratio (YTD, annualized)

51.26%+377 bps YoY

Net Worth / Assets

17.49%+73 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.46%1.19%0.93%1.03%1.14%-32 bps
Return on Equity8.71%7.15%5.43%5.88%6.54%-218 bps
Net Interest Margin2.47%2.23%2.11%2.12%2.15%-32 bps
Efficiency Ratio47.50%51.31%60.53%54.31%51.26%+377 bps
Growth
Asset Growth (YoY)1.31%10.18%4.89%0.04%0.17%-114 bps
Loan Growth (YoY)32.09%-1.71%-3.18%-23.20%5.71%-2,639 bps
Share Growth (YoY)0.31%10.97%4.48%-1.14%-1.08%-140 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%11.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.61%7.45%8.07%8.90%7.20%-41 bps
Capital
Risk-Based Capital16.75%16.59%17.13%17.52%17.49%+73 bps
Net Worth / Assets16.75%16.59%17.13%17.52%17.49%+73 bps
Liquidity & Funding
Loans / Shares32.79%32.72%31.48%28.90%35.04%+225 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

Mt Gilead

Washington, DC · Charter 6506 · 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

$78KAssets
$22KLoans
$63KShares
$14KNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 1 of 60).
  • Widest gap: net interest margin trails 89% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 54 of 61).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.00%

Rank 45 of 61

Net Interest Margin

2.56%

Rank 54 of 61

Efficiency Ratio

0.00%

Rank 1 of 60

Equity / Assets

17.95%

Rank 15 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.00%-0.02%0.37%0.88%Beats 23%45 / 61
Return on Equity0.00%-0.25%2.65%5.53%Beats 23%45 / 61
Net Interest Margin2.56%3.07%3.57%4.09%Beats 11%54 / 61
Efficiency Ratio0.00%71.78%87.58%95.00%Beats 100%1 / 60
Asset Quality
Nonperforming Loans / Loans0.00%0.44%1.06%1.85%Beats 100%11 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.95%9.78%12.37%17.30%Beats 75%15 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.95%9.78%12.37%17.30%Beats 75%15 / 61
Liquidity & Funding
Loans / Deposits34.92%37.27%62.33%76.91%23rd pctl47 / 61
Loans / Assets28.21%30.13%54.75%64.37%18th pctl50 / 61
Brokered Deposits / Depositsn/aNot reported for this institution