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St. Paschal Baylons

Highland Height, OH · Charter 11992

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 Cleveland, OH 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 Cleveland, OH area (n=39). 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

46

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

41

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

St. Paschal Baylons

Highland Height, OH · Charter 11992

NCUA · 1 branch

Q2 2026

$5.9MAssets
$263KLoans
$5.1MShares
$746KNet 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 0.19%, down 13 bps year over year; NIM at 1.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.67%, down 65 bps from a year ago.
  • Funding: loans stand at 5.12% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.19%-13 bps YoY

Net Interest Margin (YTD, annualized)

1.17%-26 bps YoY

Efficiency Ratio (YTD, annualized)

84.22%+606 bps YoY

Net Worth / Assets

12.67%-65 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.23%0.00%0.19%0.19%-13 bps
Return on Equity2.36%1.78%0.00%1.51%1.46%-90 bps
Net Interest Margin1.44%1.35%1.16%1.24%1.17%-26 bps
Efficiency Ratio78.16%82.75%100.00%84.43%84.22%+606 bps
Growth
Asset Growth (YoY)-0.39%0.07%1.83%4.66%4.63%+502 bps
Loan Growth (YoY)-18.87%-22.03%-32.18%-33.43%-39.86%-2,099 bps
Share Growth (YoY)-0.19%0.66%2.10%5.43%5.41%+560 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.13%3.48%4.20%4.78%5.21%+208 bps
Capital
Risk-Based Capital13.31%13.10%12.88%12.82%12.67%-65 bps
Net Worth / Assets13.31%13.10%12.88%12.82%12.67%-65 bps
Liquidity & Funding
Loans / Shares8.97%7.90%6.51%5.67%5.12%-385 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

St. Paschal Baylons

Highland Height, OH · Charter 11992 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)

NCUA · 1 branch

Q2 2026

$5.9MAssets
$263KLoans
$5.1MShares
$746KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Cleveland, OH area (rank 5 of 39).
  • Widest gap: net interest margin trails 100% of credit unions under $1B in assets in the Cleveland, OH area (rank 39 of 39).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.17%

Rank 28 of 39

Net Interest Margin

1.15%

Rank 39 of 39

Efficiency Ratio

85.29%

Rank 24 of 39

Equity / Assets

12.66%

Rank 21 of 39

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.17%0.13%0.49%0.87%Beats 28%28 / 39
Return on Equity1.34%1.01%4.09%7.61%Beats 28%28 / 39
Net Interest Margin1.15%3.28%3.83%4.18%Beats 0%39 / 39
Efficiency Ratio85.29%76.45%81.64%91.75%Beats 41%24 / 39
Asset Quality
Nonperforming Loans / Loans0.00%0.15%0.61%1.88%Beats 100%5 / 39
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.66%10.00%12.89%19.36%Beats 46%21 / 39
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.66%10.00%12.89%19.36%Beats 46%21 / 39
Liquidity & Funding
Loans / Deposits5.12%45.46%53.28%74.29%0th pctl39 / 39
Loans / Assets4.46%36.24%44.98%63.66%0th pctl39 / 39
Brokered Deposits / Depositsn/aNot reported for this institution