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AFL CIO Employees

Washington, DC · Charter 7992

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

52

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

20

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

AFL CIO Employees

Washington, DC · Charter 7992

NCUA · 1 branch

Q2 2026

$48.4MAssets
$37.8MLoans
$42.6MShares
$6.0MNet Worth

Executive Summary

  • Earnings: ROA of -0.31%, down 34 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.86% of loans (-331 bps YoY).
  • Capital: net worth / assets of 12.45%, down 21 bps from a year ago.
  • Funding: loans stand at 88.75% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.31%-34 bps YoY

Net Interest Margin (YTD, annualized)

4.13%-35 bps YoY

Efficiency Ratio (YTD, annualized)

97.78%+1,004 bps YoY

Net Worth / Assets

12.45%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.31%0.03%0.03%0.02%-0.17%0.08%-0.31%-34 bps
Return on Equity2.73%2.51%0.22%0.26%0.19%-1.37%0.61%-2.46%-272 bps
Net Interest Margin3.96%4.09%4.29%4.49%4.26%4.45%4.05%4.13%-35 bps
Efficiency Ratio83.34%84.99%93.30%87.74%88.65%91.49%96.42%97.78%+1,004 bps
Growth
Asset Growth (YoY)-6.56%-7.31%-2.70%-4.95%1.83%-2.53%-3.02%-1.90%+306 bps
Loan Growth (YoY)2.93%3.61%2.27%-1.44%-2.78%-5.84%-9.21%-6.10%-466 bps
Share Growth (YoY)-7.33%-8.11%-3.34%-5.64%-5.23%-3.29%-3.46%-1.89%+375 bps
Asset Quality
Delinquent Loans / Loans0.90%3.55%3.49%4.17%2.43%2.70%1.53%0.86%-331 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 Capital12.10%12.43%12.23%12.66%11.87%12.46%12.34%12.45%-21 bps
Net Worth / Assets12.10%12.43%12.23%12.66%11.87%12.46%12.34%12.45%-21 bps
Liquidity & Funding
Loans / Shares90.23%92.75%91.15%92.73%92.57%90.30%85.72%88.75%-398 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%96.17%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

AFL CIO Employees

Washington, DC · Charter 7992 · 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

$48.4MAssets
$37.8MLoans
$42.6MShares
$6.0MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 80% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 12 of 61).
  • Widest gap: return on equity trails 87% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 53 of 61).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

-0.31%

Rank 53 of 61

Net Interest Margin

4.13%

Rank 12 of 61

Efficiency Ratio

97.81%

Rank 49 of 60

Equity / Assets

12.45%

Rank 29 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-0.31%-0.02%0.37%0.88%Beats 13%53 / 61
Return on Equity-2.46%-0.25%2.65%5.53%Beats 13%53 / 61
Net Interest Margin4.13%3.07%3.57%4.09%Beats 80%12 / 61
Efficiency Ratio97.81%71.78%87.58%95.00%Beats 20%49 / 60
Asset Quality
Nonperforming Loans / Loans0.86%0.44%1.06%1.85%Beats 53%29 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.45%9.78%12.37%17.30%Beats 52%29 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.45%9.78%12.37%17.30%Beats 52%29 / 61
Liquidity & Funding
Loans / Deposits88.75%37.27%62.33%76.91%87th pctl8 / 61
Loans / Assets78.20%30.13%54.75%64.37%92nd pctl5 / 61
Brokered Deposits / Depositsn/aNot reported for this institution