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United Trades

Tualatin, OR · Charter 10442

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 Portland-Vancouver-Hillsboro, OR-WA 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 Portland-Vancouver-Hillsboro, OR-WA area (n=20). 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

40

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

68

Q2 2024Q2 2026peer median

Efficiency

35

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

United Trades

Tualatin, OR · Charter 10442

NCUA · 1 branch

Q2 2026

$56.3MAssets
$34.3MLoans
$48.4MShares
$7.3MNet Worth

Return on Assets (YTD, annualized)

0.22%-35 bps YoY

Net Interest Margin (YTD, annualized)

3.71%-14 bps YoY

Efficiency Ratio (YTD, annualized)

89.93%+691 bps YoY

Net Worth / Assets

13.02%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets0.57%0.52%0.61%0.56%0.58%0.19%0.24%0.22%-35 bps
Net Interest Margin3.52%3.48%3.61%3.85%3.91%3.85%3.77%3.71%-14 bps
Asset Growth (YoY)4.53%6.68%1.34%-1.76%-1.57%-0.65%-3.61%1.02%+278 bps
Share Growth (YoY)4.38%6.23%0.16%-3.27%-3.49%-1.42%-4.14%0.54%+381 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital12.56%12.54%12.72%13.13%13.29%12.81%13.29%13.02%-11 bps
Loans / Shares73.28%73.24%71.76%76.47%76.53%72.32%74.94%70.87%-560 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

United Trades

Tualatin, OR · Charter 10442 · Peer group: credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=20)

NCUA · 1 branch

Q2 2026

$56.3MAssets
$34.3MLoans
$48.4MShares
$7.3MNet Worth

Return on Assets

0.22%

Rank 14 of 20

Net Interest Margin

3.71%

Rank 14 of 20

Efficiency Ratio

89.90%

Rank 14 of 20

Equity / Assets

13.02%

Rank 12 of 20

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets0.22%0.06%0.60%1.13%Beats 30%14 / 20
Net Interest Margin3.71%3.68%4.11%4.53%Beats 30%14 / 20
Nonperforming Loans / Loans1.59%0.78%1.02%2.15%Beats 30%15 / 20
Tier 1 Capital Ratio13.02%10.29%14.61%16.23%Beats 40%12 / 20
Equity / Assets13.02%10.29%14.61%16.23%Beats 40%12 / 20
Loans / Assets60.98%60.98%70.81%74.91%25th pctl15 / 20