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Jafari No-Interest

Houston, TX · Charter 68675

NCUA · 3 branches

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 TX3

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 TX (n=235). 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

80

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

61

Q2 2024Q2 2026peer median

Efficiency

100

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

Jafari No-Interest

Houston, TX · Charter 68675

NCUA · 3 branches

Q2 2026

$2.7MAssets
$1.2MLoans
$2.2MShares
$576KNet Worth

Executive Summary

  • Earnings: ROA of 2.38%, down 8 bps year over year; NIM at 1.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 21.03%, up 83 bps from a year ago.
  • Funding: loans stand at 57.15% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

2.38%-8 bps YoY

Net Interest Margin (YTD, annualized)

1.72%-26 bps YoY

Efficiency Ratio (YTD, annualized)

37.11%+469 bps YoY

Net Worth / Assets

21.03%+83 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.49%1.80%1.63%2.46%2.01%1.49%1.58%2.38%-8 bps
Return on Equity12.30%9.03%8.17%12.20%9.79%7.55%7.88%11.33%-87 bps
Net Interest Margin2.73%2.59%2.10%1.98%1.97%1.84%1.69%1.72%-26 bps
Efficiency Ratio30.95%40.19%43.35%32.42%33.95%39.53%45.72%37.11%+469 bps
Growth
Asset Growth (YoY)14.55%10.06%10.01%6.43%6.50%10.60%9.04%4.77%-166 bps
Loan Growth (YoY)47.43%37.91%33.24%17.66%13.74%12.29%12.80%7.80%-985 bps
Share Growth (YoY)16.06%10.10%10.50%5.96%6.20%10.81%8.89%3.68%-227 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.90%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital20.26%19.92%19.97%20.20%20.49%19.77%20.09%21.03%+83 bps
Net Worth / Assets20.26%19.92%19.97%20.20%20.49%19.77%20.09%21.03%+83 bps
Liquidity & Funding
Loans / Shares59.22%57.18%58.66%54.97%63.42%57.94%60.77%57.15%+218 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%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

Jafari No-Interest

Houston, TX · Charter 68675 · Peer group: credit unions under $1B in assets in TX (n=235)

NCUA · 3 branches

Q2 2026

$2.7MAssets
$1.2MLoans
$2.2MShares
$576KNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of credit unions under $1B in assets in TX (rank 2 of 235).
  • Widest gap: net interest margin trails 100% of credit unions under $1B in assets in TX (rank 234 of 235).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

2.41%

Rank 6 of 235

Net Interest Margin

1.68%

Rank 234 of 235

Efficiency Ratio

36.73%

Rank 2 of 235

Equity / Assets

21.02%

Rank 48 of 235

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.41%0.17%0.57%1.10%Beats 97%6 / 235
Return on Equity11.46%1.03%4.30%7.58%Beats 90%23 / 235
Net Interest Margin1.68%3.32%3.89%4.35%Beats 0%234 / 235
Efficiency Ratio36.73%70.60%82.00%91.57%Beats 100%2 / 235
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.59%1.14%Beats 100%19 / 235
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio21.02%11.30%14.41%19.49%Beats 80%48 / 235
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets21.02%11.30%14.41%19.49%Beats 80%48 / 235
Liquidity & Funding
Loans / Deposits57.16%54.18%67.38%81.66%30th pctl164 / 235
Loans / Assets45.15%43.80%56.63%68.64%26th pctl174 / 235
Brokered Deposits / Depositsn/aNot reported for this institution