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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

Trailing 9 quarters, through Q2 2026

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 (100)

Efficiency

90

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

Lakehurst Naval

Joint Base MDL, NJ · Charter 7958

NCUA · 2 branches

Q2 2026

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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%0.79%0.20%0.65%0.95%0.29%4.20%1.30%+64 bps
Return on Equity11.71%6.70%1.85%5.59%8.14%2.58%33.62%10.34%+475 bps
Net Interest Margin2.63%2.63%2.58%2.71%2.92%2.78%3.48%3.45%+74 bps
Efficiency Ratio75.19%77.98%70.79%74.51%70.42%76.75%32.93%60.54%-1,397 bps
Growth
Asset Growth (YoY)-0.84%5.81%10.85%7.35%7.16%6.83%-2.28%-3.14%-1,049 bps
Loan Growth (YoY)-6.72%-8.97%-6.87%-4.43%0.59%2.09%-0.96%-4.30%+13 bps
Share Growth (YoY)-2.94%5.58%9.70%7.82%7.28%6.84%-2.79%-4.45%-1,227 bps
Asset Quality
Delinquent Loans / Loans3.38%3.30%2.02%2.92%2.87%3.11%3.77%3.50%+58 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.17%11.78%11.01%11.67%11.73%11.23%12.49%12.54%+87 bps
Net Worth / Assets12.17%11.78%11.01%11.67%11.73%11.23%12.49%12.54%+87 bps
Liquidity & Funding
Loans / Shares29.37%28.46%26.77%27.47%27.54%27.20%27.28%27.51%+4 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 2026-10-12

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 75thStandingRank8-Qtr TrendPeer 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