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Hancock School Emp.

Weirton, WV · Charter 21115

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 Columbus, OH 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 Columbus, OH area (n=18). 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

72

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

0

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

Hancock School Emp.

Weirton, WV · Charter 21115

NCUA · 1 branch

Q2 2026

$24.0MAssets
$5.1MLoans
$21.3MShares
$2.8MNet 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 0.70%, up 41 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.41% of loans (-102 bps YoY).
  • Capital: net worth / assets of 11.62%, up 41 bps from a year ago.
  • Funding: loans stand at 24.02% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%+41 bps YoY

Net Interest Margin (YTD, annualized)

2.64%+36 bps YoY

Efficiency Ratio (YTD, annualized)

69.92%-1,767 bps YoY

Net Worth / Assets

11.62%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.41%0.80%0.72%0.70%+41 bps
Return on Equity2.56%3.53%7.04%6.36%5.99%+344 bps
Net Interest Margin2.28%2.46%2.52%2.65%2.64%+36 bps
Efficiency Ratio87.59%83.61%68.55%73.11%69.92%-1,767 bps
Growth
Asset Growth (YoY)0.17%0.79%0.13%0.16%-0.80%-97 bps
Loan Growth (YoY)-3.85%-7.17%-11.37%-12.75%-17.58%-1,373 bps
Share Growth (YoY)-0.48%0.26%-0.28%-0.42%-1.60%-112 bps
Asset Quality
Delinquent Loans / Loans1.43%0.68%0.67%0.43%0.41%-102 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 Capital11.22%11.56%11.41%11.31%11.62%+41 bps
Net Worth / Assets11.22%11.56%11.41%11.31%11.62%+41 bps
Liquidity & Funding
Loans / Shares28.67%28.87%26.99%24.77%24.02%-466 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

Hancock School Emp.

Weirton, WV · Charter 21115 · Peer group: credit unions under $1B in assets in the Columbus, OH area (n=18)

NCUA · 1 branch

Q2 2026

$24.0MAssets
$5.1MLoans
$21.3MShares
$2.8MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 89% of credit unions under $1B in assets in the Columbus, OH area (rank 3 of 18).
  • Widest gap: net interest margin trails 94% of credit unions under $1B in assets in the Columbus, OH area (rank 17 of 18).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.70%

Rank 10 of 18

Net Interest Margin

2.64%

Rank 17 of 18

Efficiency Ratio

69.88%

Rank 3 of 18

Equity / Assets

11.63%

Rank 5 of 18

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.70%0.59%0.76%0.99%Beats 44%10 / 18
Return on Equity6.01%4.13%7.59%9.05%Beats 28%13 / 18
Net Interest Margin2.64%3.24%3.56%3.79%Beats 6%17 / 18
Efficiency Ratio69.88%72.20%76.10%84.19%Beats 89%3 / 18
Asset Quality
Nonperforming Loans / Loans0.41%0.37%0.66%1.08%Beats 72%6 / 18
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.63%9.66%10.67%11.63%Beats 72%5 / 18
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.63%9.66%10.67%11.63%Beats 72%5 / 18
Liquidity & Funding
Loans / Deposits24.01%47.40%66.89%76.69%0th pctl18 / 18
Loans / Assets21.28%43.35%60.60%69.11%0th pctl18 / 18
Brokered Deposits / Depositsn/aNot reported for this institution