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W B R T

Port Allen, LA · Charter 12735

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 Baton Rouge, LA 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 Baton Rouge, LA area (n=21). 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

95

Q2 2024Q2 2026peer median (50)

Asset Quality

10

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

10

Q2 2024Q2 2026peer median

Efficiency

10

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

W B R T

Port Allen, LA · Charter 12735

NCUA · 1 branch

Q2 2026

$2.4MAssets
$1.6MLoans
$1.8MShares
$594KNet Worth

Return on Assets (YTD, annualized)

-1.85%-102 bps YoY

Net Interest Margin (YTD, annualized)

6.59%-71 bps YoY

Efficiency Ratio (YTD, annualized)

109.68%+1,790 bps YoY

Net Worth / Assets

24.55%-128 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets3.65%1.27%-0.12%-0.82%-0.69%-2.58%-2.45%-1.85%-102 bps
Net Interest Margin7.83%8.05%7.28%7.30%7.48%7.59%6.66%6.59%-71 bps
Asset Growth (YoY)0.35%-3.40%4.24%1.97%-0.85%-0.95%-9.32%-6.45%-841 bps
Share Growth (YoY)2.50%-2.81%7.79%4.46%2.45%1.75%-8.44%-4.40%-885 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital27.41%27.81%25.39%25.83%26.62%25.49%24.84%24.55%-128 bps
Loans / Shares108.58%110.79%92.28%96.87%93.18%94.42%85.45%86.44%-1,043 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

W B R T

Port Allen, LA · Charter 12735 · Peer group: credit unions under $1B in assets in the Baton Rouge, LA area (n=21)

NCUA · 1 branch

Q2 2026

$2.4MAssets
$1.6MLoans
$1.8MShares
$594KNet Worth

Return on Assets

-1.82%

Rank 20 of 21

Net Interest Margin

6.62%

Rank 1 of 21

Efficiency Ratio

109.45%

Rank 20 of 21

Equity / Assets

24.57%

Rank 1 of 21

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets-1.82%0.20%0.59%1.13%Beats 5%20 / 21
Net Interest Margin6.62%3.81%3.95%4.86%Beats 95%1 / 21
Nonperforming Loans / Loans10.80%0.36%0.80%1.45%Beats 10%20 / 21
Tier 1 Capital Ratio24.57%11.23%14.10%17.49%Beats 95%1 / 21
Equity / Assets24.57%11.23%14.10%17.49%Beats 95%1 / 21
Loans / Assets64.72%53.07%62.76%69.97%57th pctl9 / 21