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Central Credit Union of Maryland, in

Baltimore, MD · Charter 66340

NCUA · 2 branches

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 Baltimore-Columbia-Towson, MD 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 Baltimore-Columbia-Towson, MD area (n=15). 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

67

Q2 2024Q1 2026peer median (50)

Asset Quality

80

Q2 2024Q1 2026peer median (50)

Profitability

64

Q2 2024Q1 2026peer median (50)

Liquidity

9

Q2 2024Q1 2026peer median

Efficiency

60

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

Central Credit Union of Maryland, in

Baltimore, MD · Charter 66340

NCUA · 2 branches

Q1 2026

$42.2MAssets
$16.2MLoans
$36.9MShares
$5.3MNet 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 0.92%, up 23 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.19% of loans (-15 bps YoY).
  • Capital: net worth / assets of 12.46%, up 93 bps from a year ago.
  • Funding: loans stand at 43.89% of shares as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.87%-4 bps YoY

Efficiency Ratio (YTD, annualized)

80.65%-190 bps YoY

Net Worth / Assets

12.46%+93 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.78%0.81%0.71%0.92%+23 bps
Return on Equity6.02%6.66%6.57%5.70%7.41%+140 bps
Net Interest Margin3.92%3.98%4.15%4.17%3.87%-4 bps
Efficiency Ratio82.55%82.74%83.41%85.67%80.65%-190 bps
Growth
Asset Growth (YoY)-2.56%-0.66%-0.97%-1.81%-2.24%+32 bps
Loan Growth (YoY)-11.30%-8.97%-8.49%-8.14%-4.91%+639 bps
Share Growth (YoY)-3.54%-1.66%-1.96%-2.82%-2.99%+55 bps
Asset Quality
Delinquent Loans / Loans0.33%0.25%0.18%0.15%0.19%-15 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 Capital11.53%11.70%12.28%12.41%12.46%+93 bps
Net Worth / Assets11.53%11.70%12.28%12.41%12.46%+93 bps
Liquidity & Funding
Loans / Shares44.78%44.82%46.30%45.76%43.89%-89 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

Central Credit Union of Maryland, in

Baltimore, MD · Charter 66340 · Peer group: credit unions under $1B in assets in the Baltimore-Columbia-Towson, MD area (n=15)

NCUA · 2 branches

Q1 2026

$42.2MAssets
$16.2MLoans
$36.9MShares
$5.3MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 80% of credit unions under $1B in assets in the Baltimore-Columbia-Towson, MD area (rank 4 of 15).
  • Widest gap: efficiency ratio trails 40% of credit unions under $1B in assets in the Baltimore-Columbia-Towson, MD area (rank 7 of 15).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

0.92%

Rank 4 of 15

Net Interest Margin

3.88%

Rank 6 of 15

Efficiency Ratio

80.56%

Rank 7 of 15

Equity / Assets

12.46%

Rank 5 of 15

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.92%0.36%0.63%0.92%Beats 73%4 / 15
Return on Equity7.38%2.84%6.21%7.67%Beats 60%6 / 15
Net Interest Margin3.88%3.15%3.70%3.96%Beats 60%6 / 15
Efficiency Ratio80.56%78.55%81.11%89.78%Beats 60%7 / 15
Asset Quality
Nonperforming Loans / Loans0.19%0.19%0.48%1.64%Beats 80%4 / 15
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.46%10.18%11.82%12.68%Beats 67%5 / 15
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.46%10.18%11.82%12.68%Beats 67%5 / 15
Liquidity & Funding
Loans / Deposits43.89%45.51%68.62%75.86%13th pctl13 / 15
Loans / Assets38.36%39.57%61.50%66.69%13th pctl13 / 15
Brokered Deposits / Depositsn/aNot reported for this institution