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Christiansted

Christiansted, VI · Charter 7989

NCUA · 1 branch

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

84

Q2 2024Q2 2026peer median (50)

Asset Quality

77

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

55

Q2 2024Q2 2026peer median

Efficiency

87

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

Christiansted

Christiansted, VI · Charter 7989

NCUA · 1 branch

Q2 2026

$34.0MAssets
$12.2MLoans
$26.9MShares
$7.0MNet 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 1.96%, up 33 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.23% of loans (+2 bps YoY).
  • Capital: net worth / assets of 20.63%, up 115 bps from a year ago.
  • Funding: loans stand at 45.28% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.96%+33 bps YoY

Net Interest Margin (YTD, annualized)

4.10%+45 bps YoY

Efficiency Ratio (YTD, annualized)

53.32%+58 bps YoY

Net Worth / Assets

20.63%+115 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.63%1.64%1.63%2.00%1.96%+33 bps
Return on Equity8.37%8.36%8.18%9.83%9.48%+112 bps
Net Interest Margin3.65%3.70%3.74%4.22%4.10%+45 bps
Efficiency Ratio52.73%52.90%52.84%52.37%53.32%+58 bps
Growth
Asset Growth (YoY)4.71%5.57%5.80%2.39%3.23%-148 bps
Loan Growth (YoY)11.33%14.40%13.47%10.07%7.78%-355 bps
Share Growth (YoY)3.69%4.66%5.14%0.67%1.75%-194 bps
Asset Quality
Delinquent Loans / Loans0.21%0.49%0.04%0.02%0.23%+2 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 Capital19.49%19.63%19.94%20.31%20.63%+115 bps
Net Worth / Assets19.49%19.63%19.94%20.31%20.63%+115 bps
Liquidity & Funding
Loans / Shares42.75%44.11%45.31%45.67%45.28%+254 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

Christiansted

Christiansted, VI · Charter 7989 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)

NCUA · 1 branch

Q2 2026

$34.0MAssets
$12.2MLoans
$26.9MShares
$7.0MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 93% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 4 of 61).
  • Widest gap: net interest margin trails 25% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 15 of 61).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.96%

Rank 4 of 61

Net Interest Margin

4.09%

Rank 15 of 61

Efficiency Ratio

53.42%

Rank 9 of 60

Equity / Assets

20.63%

Rank 10 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.96%-0.02%0.37%0.88%Beats 93%4 / 61
Return on Equity9.49%-0.25%2.65%5.53%Beats 84%10 / 61
Net Interest Margin4.09%3.07%3.57%4.09%Beats 75%15 / 61
Efficiency Ratio53.42%71.78%87.58%95.00%Beats 87%9 / 60
Asset Quality
Nonperforming Loans / Loans0.24%0.44%1.06%1.85%Beats 77%15 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio20.63%9.78%12.37%17.30%Beats 84%10 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets20.63%9.78%12.37%17.30%Beats 84%10 / 61
Liquidity & Funding
Loans / Deposits45.29%37.27%62.33%76.91%30th pctl43 / 61
Loans / Assets35.83%30.13%54.75%64.37%30th pctl43 / 61
Brokered Deposits / Depositsn/aNot reported for this institution