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Securcommunity

Cordova, TN · Charter 14733

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 assets in the Memphis, TN-MS-AR 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 Memphis, TN-MS-AR area (n=20). 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

30

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

30

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

Securcommunity

Cordova, TN · Charter 14733

NCUA · 3 branches

Q2 2026

$91.6MAssets
$31.9MLoans
$76.0MShares
$12.9MNet 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 0.05%, down 60 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.66% of loans (+11 bps YoY).
  • Capital: net worth / assets of 14.06%, down 112 bps from a year ago.
  • Funding: loans stand at 41.98% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.05%-60 bps YoY

Net Interest Margin (YTD, annualized)

4.17%-6 bps YoY

Efficiency Ratio (YTD, annualized)

93.18%+1,040 bps YoY

Net Worth / Assets

14.06%-112 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.33%0.11%0.06%0.05%-60 bps
Return on Equity4.27%2.21%0.74%0.40%0.35%-392 bps
Net Interest Margin4.23%4.26%4.40%4.15%4.17%-6 bps
Efficiency Ratio82.78%84.51%89.14%96.18%93.18%+1,040 bps
Growth
Asset Growth (YoY)1.13%1.54%0.97%0.41%0.98%-15 bps
Loan Growth (YoY)-15.52%-14.03%-10.98%-11.55%-11.95%+356 bps
Share Growth (YoY)1.60%0.54%0.49%-0.23%-0.25%-185 bps
Asset Quality
Delinquent Loans / Loans0.55%0.76%0.53%0.53%0.66%+11 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 Capital15.18%15.09%14.52%13.99%14.06%-112 bps
Net Worth / Assets15.18%15.09%14.52%13.99%14.06%-112 bps
Liquidity & Funding
Loans / Shares47.56%46.96%47.29%43.63%41.98%-558 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

Securcommunity

Cordova, TN · Charter 14733 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)

NCUA · 3 branches

Q2 2026

$91.6MAssets
$31.9MLoans
$76.0MShares
$12.9MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 65% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 7 of 20).
  • Widest gap: return on equity trails 85% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 17 of 20).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.05%

Rank 17 of 20

Net Interest Margin

4.17%

Rank 7 of 20

Efficiency Ratio

93.20%

Rank 15 of 20

Equity / Assets

14.06%

Rank 14 of 20

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.05%0.17%0.80%1.30%Beats 15%17 / 20
Return on Equity0.34%1.70%5.99%7.93%Beats 15%17 / 20
Net Interest Margin4.17%3.56%3.85%4.24%Beats 65%7 / 20
Efficiency Ratio93.20%66.59%84.75%93.62%Beats 30%15 / 20
Asset Quality
Nonperforming Loans / Loans0.66%0.32%0.63%1.03%Beats 35%14 / 20
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.06%13.24%17.38%21.71%Beats 30%14 / 20
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.06%13.24%17.38%21.71%Beats 30%14 / 20
Liquidity & Funding
Loans / Deposits41.98%36.24%50.72%82.35%40th pctl12 / 20
Loans / Assets34.84%30.61%46.06%66.54%45th pctl11 / 20
Brokered Deposits / Depositsn/aNot reported for this institution