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Bethel A.M.E. Church

Chicago, IL · Charter 65680

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 Chicago-Naperville-Elgin, IL-IN 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 Chicago-Naperville-Elgin, IL-IN area (n=95 to 96). 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

58

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

23

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

7

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

Bethel A.M.E. Church

Chicago, IL · Charter 65680

NCUA · 1 branch

Q2 2026

$50KAssets
$0KLoans
$42KShares
$8KNet 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 -3.40%, down 88 bps year over year; NIM at 3.07%.
  • Capital: net worth / assets of 16.64%, down 5 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-3.40%-88 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+155 bps YoY

Efficiency Ratio (YTD, annualized)

211%-5,523 bps YoY

Net Worth / Assets

16.64%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.53%-1.94%-1.34%-1.34%-3.40%-88 bps
Return on Equity-15.13%-11.63%-7.99%-7.59%-20.47%-533 bps
Net Interest Margin1.52%1.30%0.99%4.24%3.07%+155 bps
Efficiency Ratio266%249%236%131.62%211%-5,523 bps
Growth
Asset Growth (YoY)-9.07%-7.50%-5.19%-5.46%-5.95%+312 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Share Growth (YoY)-8.06%-7.91%-4.73%-5.94%-5.89%+217 bps
Asset Quality
Delinquent Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Capital
Risk-Based Capital16.69%16.68%16.81%17.65%16.64%-5 bps
Net Worth / Assets16.69%16.68%16.81%17.65%16.64%-5 bps
Liquidity & Funding
Loans / Shares0.00%0.00%0.00%0.00%0.00%0 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

Bethel A.M.E. Church

Chicago, IL · Charter 65680 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=95-96)

NCUA · 1 branch

Q2 2026

$50KAssets
$0KLoans
$42KShares
$8KNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 64% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 34 of 96).
  • Widest gap: return on equity trails 98% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 93 of 95).
  • Overall: at or above the peer median on 3 of 6 directional measures.

Return on Assets

-4.00%

Rank 92 of 96

Net Interest Margin

4.00%

Rank 34 of 96

Efficiency Ratio

200%

Rank 92 of 96

Equity / Assets

16.00%

Rank 40 of 96

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-4.00%-0.02%0.42%1.03%Beats 4%92 / 96
Return on Equity-25.00%-0.11%2.94%6.89%Beats 2%93 / 95
Net Interest Margin4.00%3.01%3.57%4.27%Beats 64%34 / 96
Efficiency Ratio200%73.45%82.91%96.61%Beats 7%92 / 96
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio16.00%11.79%15.23%18.93%Beats 58%40 / 96
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets16.00%11.79%15.23%18.93%Beats 58%40 / 96
Liquidity & Funding
Loans / Deposits0.00%32.14%50.03%67.81%0th pctl94 / 96
Loans / Assets0.00%23.12%42.50%56.24%0th pctl94 / 96
Brokered Deposits / Depositsn/aNot reported for this institution