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Timberline

Crossett, AR · Charter 11678

NCUA · 3 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

86

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

96

Q2 2024Q2 2026peer median

Efficiency

9

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

Timberline

Crossett, AR · Charter 11678

NCUA · 3 branches

Q2 2026

$80.4MAssets
$45.8MLoans
$67.3MShares
$15.8MNet Worth

Return on Assets (YTD, annualized)

-0.61%+87 bps YoY

Net Interest Margin (YTD, annualized)

4.26%+11 bps YoY

Efficiency Ratio (YTD, annualized)

97.50%+196 bps YoY

Net Worth / Assets

19.61%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets-0.14%0.05%-1.43%-1.48%-0.80%-0.74%-0.98%-0.61%+87 bps
Net Interest Margin4.11%4.16%4.11%4.16%4.29%4.34%4.25%4.26%+11 bps
Asset Growth (YoY)0.84%-0.77%0.43%-0.04%-1.11%-1.33%-2.33%-1.69%-165 bps
Share Growth (YoY)-0.61%-0.79%0.28%0.08%-1.58%-1.85%-2.27%-2.17%-225 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital20.22%20.46%19.74%19.56%20.00%20.00%19.59%19.61%+5 bps
Loans / Shares74.93%76.72%71.32%71.40%71.28%72.84%69.10%68.05%-334 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

Timberline

Crossett, AR · Charter 11678 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 3 branches

Q2 2026

$80.4MAssets
$45.8MLoans
$67.3MShares
$15.8MNet Worth

Return on Assets

-0.61%

Rank 1,582 of 1,683

Net Interest Margin

4.26%

Rank 459 of 1,683

Efficiency Ratio

97.48%

Rank 1,536 of 1,682

Equity / Assets

19.61%

Rank 243 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets-0.61%0.35%0.74%1.18%Beats 6%1,582 / 1,683
Net Interest Margin4.26%3.31%3.82%4.32%Beats 73%459 / 1,683
Nonperforming Loans / Loans2.23%0.26%0.65%1.29%Beats 12%1,480 / 1,682
Tier 1 Capital Ratio19.61%10.44%12.89%16.53%Beats 86%243 / 1,683
Equity / Assets19.61%10.44%12.89%16.53%Beats 86%243 / 1,683
Loans / Assets56.97%44.71%59.18%70.72%45th pctl918 / 1,683