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Lakehurst Naval

Joint Base MDL, NJ · Charter 7958

NCUA · 2 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 Birmingham, AL 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 Birmingham, AL area (n=29). 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

38

Q2 2024Q2 2026peer median (50)

Asset Quality

21

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

90

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

Lakehurst Naval

Joint Base MDL, NJ · Charter 7958

NCUA · 2 branches

Q2 2026

$37.9MAssets
$9.1MLoans
$33.0MShares
$4.8MNet 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 1.30%, up 64 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 3.50% of loans (+58 bps YoY).
  • Capital: net worth / assets of 12.54%, up 87 bps from a year ago.
  • Funding: loans stand at 27.51% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.30%+64 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+74 bps YoY

Efficiency Ratio (YTD, annualized)

60.54%-1,397 bps YoY

Net Worth / Assets

12.54%+87 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.95%0.29%4.20%1.30%+64 bps
Return on Equity5.59%8.14%2.58%33.62%10.34%+475 bps
Net Interest Margin2.71%2.92%2.78%3.48%3.45%+74 bps
Efficiency Ratio74.51%70.42%76.75%32.93%60.54%-1,397 bps
Growth
Asset Growth (YoY)7.35%7.16%6.83%-2.28%-3.14%-1,049 bps
Loan Growth (YoY)-4.43%0.59%2.09%-0.96%-4.30%+13 bps
Share Growth (YoY)7.82%7.28%6.84%-2.79%-4.45%-1,227 bps
Asset Quality
Delinquent Loans / Loans2.92%2.87%3.11%3.77%3.50%+58 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 Capital11.67%11.73%11.23%12.49%12.54%+87 bps
Net Worth / Assets11.67%11.73%11.23%12.49%12.54%+87 bps
Liquidity & Funding
Loans / Shares27.47%27.54%27.20%27.28%27.51%+4 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

Lakehurst Naval

Joint Base MDL, NJ · Charter 7958 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)

NCUA · 2 branches

Q2 2026

$37.9MAssets
$9.1MLoans
$33.0MShares
$4.8MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 90% of credit unions under $1B in assets in the Birmingham, AL area (rank 4 of 29).
  • Widest gap: nonperforming loans / loans trails 79% of credit unions under $1B in assets in the Birmingham, AL area (rank 24 of 29).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

1.30%

Rank 6 of 29

Net Interest Margin

3.45%

Rank 18 of 29

Efficiency Ratio

60.51%

Rank 4 of 29

Equity / Assets

12.54%

Rank 18 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.30%0.26%0.65%1.06%Beats 79%6 / 29
Return on Equity10.34%2.33%4.15%7.02%Beats 86%4 / 29
Net Interest Margin3.45%3.29%3.80%4.67%Beats 38%18 / 29
Efficiency Ratio60.51%67.71%81.00%89.29%Beats 90%4 / 29
Asset Quality
Nonperforming Loans / Loans3.50%0.40%1.03%1.72%Beats 21%24 / 29
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.54%10.13%13.97%19.12%Beats 38%18 / 29
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.54%10.13%13.97%19.12%Beats 38%18 / 29
Liquidity & Funding
Loans / Deposits27.51%40.72%55.53%68.24%7th pctl27 / 29
Loans / Assets23.96%35.46%45.52%58.70%10th pctl26 / 29
Brokered Deposits / Depositsn/aNot reported for this institution