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Pine

Pine Bluff, AR · Charter 12601

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

Trailing 9 quarters, through Q2 2026

Capital

94

Q2 2024Q2 2026Peer median (50)

Asset Quality

22

Q2 2024Q2 2026Peer median (50)

Profitability

58

Q2 2024Q2 2026Peer median (50)

Liquidity

79

Q2 2024Q2 2026Peer median (100)

Efficiency

64

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

Pine

Pine Bluff, AR · Charter 12601

NCUA · 3 branches

Q2 2026

$62.8MAssets
$29.7MLoans
$47.3MShares
$15.4MNet 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 1.14%, down 18 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 1.49% of loans (-87 bps YoY).
  • Capital: net worth / assets of 24.54%, up 107 bps from a year ago.
  • Funding: loans stand at 62.88% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%-18 bps YoY

Net Interest Margin (YTD, annualized)

4.05%-28 bps YoY

Efficiency Ratio (YTD, annualized)

73.31%+636 bps YoY

Net Worth / Assets

24.54%+107 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.32%1.33%1.25%1.35%1.14%-18 bps
Return on Equity5.62%5.60%5.24%5.58%4.65%-97 bps
Net Interest Margin4.33%4.33%4.29%4.06%4.05%-28 bps
Efficiency Ratio66.95%66.18%67.67%73.92%73.31%+636 bps
Growth
Asset Growth (YoY)0.49%0.06%1.60%0.35%0.08%-41 bps
Loan Growth (YoY)-8.11%-4.77%-5.13%-4.67%-3.06%+505 bps
Share Growth (YoY)-0.86%-1.52%0.42%-1.18%-1.46%-61 bps
Asset Quality
Delinquent Loans / Loans2.36%2.26%2.51%1.36%1.49%-87 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital23.47%23.78%23.96%24.22%24.54%+107 bps
Net Worth / Assets23.47%23.78%23.96%24.22%24.54%+107 bps
Liquidity & Funding
Loans / Shares63.92%65.60%65.02%62.96%62.88%-104 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 2026-10-12

Pine

Pine Bluff, AR · Charter 12601 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 3 branches

Q2 2026

$62.8MAssets
$29.7MLoans
$47.3MShares
$15.4MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 94% of credit unions under $1B in assets (rank 109 of 1683).
  • Widest gap: nonperforming loans / loans trails 78% of credit unions under $1B in assets (rank 1317 of 1682).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.14%

Rank 465 of 1,683

Net Interest Margin

4.05%

Rank 632 of 1,683

Efficiency Ratio

73.34%

Rank 609 of 1,682

Equity / Assets

24.54%

Rank 109 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%0.35%0.74%1.18%Beats 72%465 / 1,683
Return on Equity4.65%2.67%5.89%8.74%Beats 41%996 / 1,681
Net Interest Margin4.05%3.31%3.82%4.32%Beats 62%632 / 1,683
Efficiency Ratio73.34%68.91%78.20%86.93%Beats 64%609 / 1,682
Asset Quality
Nonperforming Loans / Loans1.49%0.26%0.65%1.29%Beats 22%1,317 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio24.54%10.44%12.89%16.53%Beats 94%109 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets24.54%10.44%12.89%16.53%Beats 94%109 / 1,683
Liquidity & Funding
Loans / Deposits62.88%52.61%69.38%83.50%39th pctl1,021 / 1,683
Loans / Assets47.36%44.71%59.18%70.72%29th pctl1,190 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution