PackageTrendsPeer
Letter portraitLegal landscape

Arlington Community

Arlington, VA · Charter 7573

NCUA · 4 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 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

11

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

42

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

Arlington Community

Arlington, VA · Charter 7573

NCUA · 4 branches

Q2 2026

$537.8MAssets
$463.5MLoans
$490.2MShares
$42.7MNet 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 0.22%, down 8 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.44% of loans (-22 bps YoY).
  • Capital: net worth / assets of 7.95%, up 9 bps from a year ago.
  • Funding: loans stand at 94.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.22%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+25 bps YoY

Efficiency Ratio (YTD, annualized)

88.72%+704 bps YoY

Net Worth / Assets

7.95%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.30%0.27%0.25%0.19%0.22%-8 bps
Return on Equity3.84%3.34%3.22%2.46%2.81%-104 bps
Net Interest Margin3.27%3.37%3.37%3.44%3.53%+25 bps
Efficiency Ratio81.68%84.96%86.44%94.43%88.72%+704 bps
Growth
Asset Growth (YoY)5.52%4.67%4.70%3.22%1.55%-397 bps
Loan Growth (YoY)6.92%7.98%9.11%4.79%4.11%-282 bps
Share Growth (YoY)10.73%12.07%8.91%5.43%3.38%-735 bps
Asset Quality
Delinquent Loans / Loans0.65%0.56%0.38%0.64%0.44%-22 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 Capital7.85%7.93%7.87%7.84%7.95%+9 bps
Net Worth / Assets7.85%7.93%7.87%7.84%7.95%+9 bps
Liquidity & Funding
Loans / Shares93.89%92.95%92.26%91.55%94.55%+66 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

Arlington Community

Arlington, VA · Charter 7573 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)

NCUA · 4 branches

Q2 2026

$537.8MAssets
$463.5MLoans
$490.2MShares
$42.7MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 75% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 16 of 60).
  • Widest gap: equity / assets 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 2 of 7 directional measures.

Return on Assets

0.22%

Rank 37 of 61

Net Interest Margin

3.53%

Rank 33 of 61

Efficiency Ratio

88.72%

Rank 36 of 60

Equity / Assets

7.95%

Rank 54 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.22%-0.02%0.37%0.88%Beats 39%37 / 61
Return on Equity2.81%-0.25%2.65%5.53%Beats 51%30 / 61
Net Interest Margin3.53%3.07%3.57%4.09%Beats 46%33 / 61
Efficiency Ratio88.72%71.78%87.58%95.00%Beats 42%36 / 60
Asset Quality
Nonperforming Loans / Loans0.44%0.44%1.06%1.85%Beats 75%16 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio7.95%9.78%12.37%17.30%Beats 11%54 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets7.95%9.78%12.37%17.30%Beats 11%54 / 61
Liquidity & Funding
Loans / Deposits94.55%37.27%62.33%76.91%92nd pctl5 / 61
Loans / Assets86.18%30.13%54.75%64.37%97th pctl2 / 61
Brokered Deposits / Depositsn/aNot reported for this institution