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Aspire Community

Minot, ND · Charter 1888

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

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

91

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

Aspire Community

Minot, ND · Charter 1888

NCUA · 1 branch

Q2 2026

$181.6MAssets
$151.0MLoans
$154.9MShares
$28.3MNet 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 1.57%, up 46 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.41% of loans (+32 bps YoY).
  • Capital: net worth / assets of 15.59%, up 73 bps from a year ago.
  • Funding: loans stand at 97.50% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.57%+46 bps YoY

Net Interest Margin (YTD, annualized)

3.02%+40 bps YoY

Efficiency Ratio (YTD, annualized)

57.51%-847 bps YoY

Net Worth / Assets

15.59%+73 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.17%1.12%1.40%1.57%+46 bps
Return on Equity7.48%7.82%7.48%9.21%10.10%+261 bps
Net Interest Margin2.62%2.64%2.65%2.93%3.02%+40 bps
Efficiency Ratio65.98%64.47%64.47%59.07%57.51%-847 bps
Growth
Asset Growth (YoY)2.78%4.35%4.10%4.26%4.45%+167 bps
Loan Growth (YoY)0.83%1.38%2.69%1.45%3.59%+276 bps
Share Growth (YoY)2.24%3.51%3.94%3.70%4.02%+178 bps
Asset Quality
Delinquent Loans / Loans0.09%0.69%0.30%0.05%0.41%+32 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 Capital14.87%14.96%14.96%15.21%15.59%+73 bps
Net Worth / Assets14.87%14.96%14.96%15.21%15.59%+73 bps
Liquidity & Funding
Loans / Shares97.90%97.23%96.79%95.71%97.50%-40 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

Aspire Community

Minot, ND · Charter 1888 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$181.6MAssets
$151.0MLoans
$154.9MShares
$28.3MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 91% of credit unions under $1B in assets (rank 155 of 1682).
  • Widest gap: net interest margin trails 86% of credit unions under $1B in assets (rank 1449 of 1683).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.58%

Rank 211 of 1,683

Net Interest Margin

3.02%

Rank 1,449 of 1,683

Efficiency Ratio

57.50%

Rank 155 of 1,682

Equity / Assets

15.59%

Rank 485 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.58%0.35%0.74%1.18%Beats 87%211 / 1,683
Return on Equity10.10%2.67%5.89%8.74%Beats 84%275 / 1,681
Net Interest Margin3.02%3.31%3.82%4.32%Beats 14%1,449 / 1,683
Efficiency Ratio57.50%68.91%78.20%86.93%Beats 91%155 / 1,682
Asset Quality
Nonperforming Loans / Loans0.41%0.26%0.65%1.29%Beats 65%589 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.59%10.44%12.89%16.53%Beats 71%485 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.59%10.44%12.89%16.53%Beats 71%485 / 1,683
Liquidity & Funding
Loans / Deposits97.50%52.61%69.38%83.50%95th pctl83 / 1,683
Loans / Assets83.16%44.71%59.18%70.72%96th pctl75 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution