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Mohave Community

Kingman, AZ · Charter 12000

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

Trailing 9 quarters, through Q2 2026

Capital

49

Q2 2024Q2 2026Peer median (50)

Asset Quality

16

Q2 2024Q2 2026Peer median (50)

Profitability

69

Q2 2024Q2 2026Peer median (50)

Liquidity

60

Q2 2024Q2 2026Peer median (100)

Efficiency

83

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

Mohave Community

Kingman, AZ · Charter 12000

NCUA · 1 branch

Q2 2026

$61.4MAssets
$30.8MLoans
$53.9MShares
$7.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.92%, down 1 bps year over year; NIM at 4.63%.
  • Asset quality: problem loans at 1.81% of loans (-70 bps YoY).
  • Capital: net worth / assets of 12.85%, up 50 bps from a year ago.
  • Funding: loans stand at 57.15% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.92%-1 bps YoY

Net Interest Margin (YTD, annualized)

4.63%-37 bps YoY

Efficiency Ratio (YTD, annualized)

64.64%+472 bps YoY

Net Worth / Assets

12.85%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.34%0.67%0.93%0.95%0.66%0.79%0.92%-1 bps
Return on Equity10.14%10.69%5.48%7.52%7.52%5.24%6.28%7.14%-37 bps
Net Interest Margin5.18%5.22%5.08%5.01%5.03%5.04%4.70%4.63%-37 bps
Efficiency Ratio61.33%61.00%61.09%59.93%59.33%59.87%64.29%64.64%+472 bps
Growth
Asset Growth (YoY)1.01%2.35%1.62%5.76%5.15%4.08%2.27%0.90%-487 bps
Loan Growth (YoY)-6.46%-10.60%-11.66%-13.27%-9.53%-5.80%-5.05%-7.98%+529 bps
Share Growth (YoY)0.50%1.19%2.40%7.20%5.82%4.25%2.17%0.92%-628 bps
Asset Quality
Delinquent Loans / Loans2.15%2.56%2.00%2.51%2.62%3.59%1.61%1.81%-70 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 Capital12.15%12.51%12.24%12.35%12.62%12.64%12.61%12.85%+50 bps
Net Worth / Assets12.15%12.51%12.24%12.35%12.62%12.64%12.61%12.85%+50 bps
Liquidity & Funding
Loans / Shares74.30%71.14%64.67%62.68%63.52%64.28%60.10%57.15%-553 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%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 2026-10-12

Mohave Community

Kingman, AZ · Charter 12000 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$61.4MAssets
$30.8MLoans
$53.9MShares
$7.9MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 84% of credit unions under $1B in assets (rank 271 of 1683).
  • Widest gap: nonperforming loans / loans trails 84% of credit unions under $1B in assets (rank 1412 of 1682).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.92%

Rank 659 of 1,683

Net Interest Margin

4.64%

Rank 271 of 1,683

Efficiency Ratio

64.61%

Rank 282 of 1,682

Equity / Assets

12.85%

Rank 852 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.92%0.35%0.74%1.18%Beats 61%659 / 1,683
Return on Equity7.15%2.67%5.89%8.74%Beats 63%630 / 1,681
Net Interest Margin4.64%3.31%3.82%4.32%Beats 84%271 / 1,683
Efficiency Ratio64.61%68.91%78.20%86.93%Beats 83%282 / 1,682
Asset Quality
Nonperforming Loans / Loans1.81%0.26%0.65%1.29%Beats 16%1,412 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.85%10.44%12.89%16.53%Beats 49%852 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.85%10.44%12.89%16.53%Beats 49%852 / 1,683
Liquidity & Funding
Loans / Deposits57.15%52.61%69.38%83.50%31st pctl1,165 / 1,683
Loans / Assets50.13%44.71%59.18%70.72%34th pctl1,118 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution