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Electrical Workers No 558

Sheffield, AL · Charter 12478

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

88

Q2 2024Q2 2026Peer median (50)

Asset Quality

100

Q2 2024Q2 2026Peer median (50)

Profitability

73

Q2 2024Q2 2026Peer median (50)

Liquidity

87

Q2 2024Q2 2026Peer median (100)

Efficiency

97

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

Electrical Workers No 558

Sheffield, AL · Charter 12478

NCUA · 1 branch

Q2 2026

$45.9MAssets
$23.7MLoans
$36.3MShares
$9.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.92%, down 32 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 20.52%, up 179 bps from a year ago.
  • Funding: loans stand at 65.36% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.92%-32 bps YoY

Net Interest Margin (YTD, annualized)

3.71%-4 bps YoY

Efficiency Ratio (YTD, annualized)

46.59%+734 bps YoY

Net Worth / Assets

20.52%+179 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.02%2.03%2.26%2.24%2.35%2.27%1.99%1.92%-32 bps
Return on Equity11.64%11.35%12.32%11.97%12.16%11.32%9.82%9.38%-259 bps
Net Interest Margin3.53%3.57%3.72%3.75%3.81%3.88%3.75%3.71%-4 bps
Efficiency Ratio40.13%41.15%39.63%39.25%37.57%40.59%47.20%46.59%+734 bps
Growth
Asset Growth (YoY)12.09%8.48%4.94%2.19%1.71%0.94%1.13%1.52%-68 bps
Loan Growth (YoY)0.97%-2.88%-3.51%-3.45%-3.32%-4.48%-3.61%-2.36%+109 bps
Share Growth (YoY)11.94%7.64%3.38%0.08%-0.73%-1.58%-1.29%-0.71%-80 bps
Asset Quality
Delinquent Loans / Loans0.17%0.05%0.03%0.00%0.00%0.02%0.00%0.00%0 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 Capital17.38%17.93%18.31%18.73%19.36%20.03%20.29%20.52%+179 bps
Net Worth / Assets17.38%17.93%18.31%18.73%19.36%20.03%20.29%20.52%+179 bps
Liquidity & Funding
Loans / Shares67.79%66.93%65.10%66.46%66.03%64.96%63.57%65.36%-110 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

Electrical Workers No 558

Sheffield, AL · Charter 12478 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$45.9MAssets
$23.7MLoans
$36.3MShares
$9.4MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
  • Widest gap: net interest margin trails 55% of credit unions under $1B in assets (rank 931 of 1683).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.93%

Rank 88 of 1,683

Net Interest Margin

3.71%

Rank 931 of 1,683

Efficiency Ratio

46.55%

Rank 48 of 1,682

Equity / Assets

20.52%

Rank 207 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.93%0.35%0.74%1.18%Beats 95%88 / 1,683
Return on Equity9.39%2.67%5.89%8.74%Beats 80%342 / 1,681
Net Interest Margin3.71%3.31%3.82%4.32%Beats 45%931 / 1,683
Efficiency Ratio46.55%68.91%78.20%86.93%Beats 97%48 / 1,682
Asset Quality
Nonperforming Loans / Loans0.00%0.26%0.65%1.29%Beats 100%132 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio20.52%10.44%12.89%16.53%Beats 88%207 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets20.52%10.44%12.89%16.53%Beats 88%207 / 1,683
Liquidity & Funding
Loans / Deposits65.36%52.61%69.38%83.50%42nd pctl968 / 1,683
Loans / Assets51.64%44.71%59.18%70.72%37th pctl1,062 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution