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Weatherhead C C

Columbia City, IN · Charter 16732

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 Fort Wayne, IN 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 Fort Wayne, IN area (n=19). 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

74

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

12

Q2 2024Q2 2026peer median

Efficiency

89

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

Weatherhead C C

Columbia City, IN · Charter 16732

NCUA · 1 branch

Q2 2026

$25.0MAssets
$9.0MLoans
$21.4MShares
$3.4MNet 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 2.09%, up 25 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 0.95% of loans (+67 bps YoY).
  • Capital: net worth / assets of 13.69%, up 102 bps from a year ago.
  • Funding: loans stand at 42.21% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.09%+25 bps YoY

Net Interest Margin (YTD, annualized)

4.18%+57 bps YoY

Efficiency Ratio (YTD, annualized)

56.59%-167 bps YoY

Net Worth / Assets

13.69%+102 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.84%1.92%1.96%1.99%2.09%+25 bps
Return on Equity14.52%14.78%15.00%15.22%15.29%+77 bps
Net Interest Margin3.61%3.70%3.78%4.10%4.18%+57 bps
Efficiency Ratio58.26%56.72%56.45%58.34%56.59%-167 bps
Growth
Asset Growth (YoY)2.68%2.38%4.45%8.65%6.91%+423 bps
Loan Growth (YoY)0.16%2.93%2.97%5.71%2.17%+201 bps
Share Growth (YoY)0.40%0.41%2.87%7.40%5.99%+560 bps
Asset Quality
Delinquent Loans / Loans0.28%0.47%0.26%0.28%0.95%+67 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 Capital12.66%13.01%13.05%13.08%13.69%+102 bps
Net Worth / Assets12.66%13.01%13.05%13.08%13.69%+102 bps
Liquidity & Funding
Loans / Shares43.79%44.37%43.83%42.73%42.21%-158 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

Weatherhead C C

Columbia City, IN · Charter 16732 · Peer group: credit unions under $1B in assets in the Fort Wayne, IN area (n=19)

NCUA · 1 branch

Q2 2026

$25.0MAssets
$9.0MLoans
$21.4MShares
$3.4MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 89% of credit unions under $1B in assets in the Fort Wayne, IN area (rank 3 of 19).
  • Widest gap: nonperforming loans / loans trails 63% of credit unions under $1B in assets in the Fort Wayne, IN area (rank 13 of 19).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

2.09%

Rank 3 of 19

Net Interest Margin

4.18%

Rank 4 of 19

Efficiency Ratio

56.53%

Rank 3 of 19

Equity / Assets

13.69%

Rank 5 of 19

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.09%-0.27%1.22%1.52%Beats 84%3 / 19
Return on Equity15.29%-2.41%9.38%13.75%Beats 84%3 / 19
Net Interest Margin4.18%3.49%3.77%4.18%Beats 79%4 / 19
Efficiency Ratio56.53%68.63%79.83%95.74%Beats 89%3 / 19
Asset Quality
Nonperforming Loans / Loans0.95%0.38%0.61%1.20%Beats 37%13 / 19
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.69%10.00%11.56%13.69%Beats 74%5 / 19
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.69%10.00%11.56%13.69%Beats 74%5 / 19
Liquidity & Funding
Loans / Deposits42.22%49.95%68.70%81.33%11th pctl17 / 19
Loans / Assets36.24%39.83%58.83%70.01%11th pctl17 / 19
Brokered Deposits / Depositsn/aNot reported for this institution