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St. Thomas

Charlotte Amali, VI · Charter 7970

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 assets3

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 (n=1,681 to 1,683). 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

92

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

64

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

St. Thomas

Charlotte Amali, VI · Charter 7970

NCUA · 2 branches

Q2 2026

$90.0MAssets
$39.7MLoans
$70.3MShares
$21.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.60%, up 105 bps year over year; NIM at 5.26%.
  • Asset quality: problem loans at 0.89% of loans (+21 bps YoY).
  • Capital: net worth / assets of 23.49%, up 23 bps from a year ago.
  • Funding: loans stand at 56.50% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.60%+105 bps YoY

Net Interest Margin (YTD, annualized)

5.26%+28 bps YoY

Efficiency Ratio (YTD, annualized)

73.17%-2,478 bps YoY

Net Worth / Assets

23.49%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.92%0.71%-1.76%-0.45%-0.04%0.02%1.09%0.60%+105 bps
Return on Equity7.85%2.94%-7.59%-1.94%-0.19%0.07%4.58%2.54%+448 bps
Net Interest Margin4.52%4.67%4.88%4.98%5.01%5.06%5.26%5.26%+28 bps
Efficiency Ratio63.70%80.20%150.08%97.95%84.58%84.57%71.98%73.17%-2,478 bps
Growth
Asset Growth (YoY)6.92%3.17%4.36%2.23%1.29%2.85%0.71%1.05%-118 bps
Loan Growth (YoY)7.10%6.21%5.17%4.35%2.77%4.38%3.05%2.85%-150 bps
Share Growth (YoY)2.62%3.20%3.72%1.09%1.46%0.66%0.28%0.76%-34 bps
Asset Quality
Delinquent Loans / Loans0.35%0.36%0.36%0.68%0.42%0.94%1.15%0.89%+21 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 Capital24.45%24.10%23.22%23.26%23.30%23.37%23.71%23.49%+23 bps
Net Worth / Assets24.45%24.10%23.22%23.26%23.30%23.37%23.71%23.49%+23 bps
Liquidity & Funding
Loans / Shares53.84%55.62%55.11%55.35%54.53%57.68%56.64%56.50%+115 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

St. Thomas

Charlotte Amali, VI · Charter 7970 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 2 branches

Q2 2026

$90.0MAssets
$39.7MLoans
$70.3MShares
$21.1MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 94% of credit unions under $1B in assets (rank 101 of 1683).
  • Widest gap: return on equity trails 77% of credit unions under $1B in assets (rank 1288 of 1681).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.60%

Rank 1,015 of 1,683

Net Interest Margin

5.26%

Rank 101 of 1,683

Efficiency Ratio

73.16%

Rank 599 of 1,682

Equity / Assets

23.49%

Rank 127 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.60%0.35%0.74%1.18%Beats 40%1,015 / 1,683
Return on Equity2.53%2.67%5.89%8.74%Beats 23%1,288 / 1,681
Net Interest Margin5.26%3.31%3.82%4.32%Beats 94%101 / 1,683
Efficiency Ratio73.16%68.91%78.20%86.93%Beats 64%599 / 1,682
Asset Quality
Nonperforming Loans / Loans0.89%0.26%0.65%1.29%Beats 38%1,038 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio23.49%10.44%12.89%16.53%Beats 92%127 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets23.49%10.44%12.89%16.53%Beats 92%127 / 1,683
Liquidity & Funding
Loans / Deposits56.50%52.61%69.38%83.50%30th pctl1,174 / 1,683
Loans / Assets44.11%44.71%59.18%70.72%24th pctl1,275 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution