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Post Office CU of MD, Inc.

Baltimore, MD · Charter 95742

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 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

94

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

21

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

Post Office CU of MD, Inc.

Baltimore, MD · Charter 95742

NCUA · 1 branch

Q2 2026

$28.2MAssets
$24.2MLoans
$21.0MShares
$7.1MNet 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 0.51%, up 31 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 1.65% of loans (-3 bps YoY).
  • Capital: net worth / assets of 25.20%, down 33 bps from a year ago.
  • Funding: loans stand at 115.01% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.51%+31 bps YoY

Net Interest Margin (YTD, annualized)

4.42%+52 bps YoY

Efficiency Ratio (YTD, annualized)

88.43%+690 bps YoY

Net Worth / Assets

25.20%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.14%-0.11%0.22%0.51%+31 bps
Return on Equity0.79%0.53%-0.42%0.91%2.03%+124 bps
Net Interest Margin3.90%2.60%4.18%4.13%4.42%+52 bps
Efficiency Ratio81.53%81.53%83.62%92.60%88.43%+690 bps
Growth
Asset Growth (YoY)-3.26%-2.29%0.32%4.24%1.60%+486 bps
Loan Growth (YoY)59.00%41.57%51.66%45.58%40.05%-1,894 bps
Share Growth (YoY)-4.13%-3.30%-7.24%-2.05%2.23%+636 bps
Asset Quality
Delinquent Loans / Loans1.69%1.69%1.23%1.43%1.65%-3 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 Capital25.53%25.53%24.99%24.11%25.20%-33 bps
Net Worth / Assets25.53%25.53%24.99%24.11%25.20%-33 bps
Liquidity & Funding
Loans / Shares83.95%83.95%107.05%108.38%115.01%+3,105 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

Post Office CU of MD, Inc.

Baltimore, MD · Charter 95742 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$28.2MAssets
$24.2MLoans
$21.0MShares
$7.1MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 94% of credit unions under $1B in assets (rank 98 of 1683).
  • Widest gap: nonperforming loans / loans trails 82% of credit unions under $1B in assets (rank 1382 of 1682).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.51%

Rank 1,125 of 1,683

Net Interest Margin

4.42%

Rank 371 of 1,683

Efficiency Ratio

88.48%

Rank 1,325 of 1,682

Equity / Assets

25.20%

Rank 98 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.51%0.35%0.74%1.18%Beats 33%1,125 / 1,683
Return on Equity2.03%2.67%5.89%8.74%Beats 20%1,341 / 1,681
Net Interest Margin4.42%3.31%3.82%4.32%Beats 78%371 / 1,683
Efficiency Ratio88.48%68.91%78.20%86.93%Beats 21%1,325 / 1,682
Asset Quality
Nonperforming Loans / Loans1.65%0.26%0.65%1.29%Beats 18%1,382 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio25.20%10.44%12.89%16.53%Beats 94%98 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets25.20%10.44%12.89%16.53%Beats 94%98 / 1,683
Liquidity & Funding
Loans / Deposits115.00%52.61%69.38%83.50%99th pctl9 / 1,683
Loans / Assets85.76%44.71%59.18%70.72%98th pctl32 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution