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Arize

State College, PA · Charter 24187

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 PA3

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 PA (n=72). 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

1

Q2 2024Q2 2026peer median (50)

Asset Quality

7

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

10

Q2 2024Q2 2026peer median

Efficiency

33

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

Arize

State College, PA · Charter 24187

NCUA · 3 branches

Q2 2026

$175.9MAssets
$120.9MLoans
$162.6MShares
$13.8MNet 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 0.19%, down 4 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 2.12% of loans (-54 bps YoY).
  • Capital: net worth / assets of 7.82%, down 69 bps from a year ago.
  • Funding: loans stand at 74.34% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.19%-4 bps YoY

Net Interest Margin (YTD, annualized)

4.08%+3 bps YoY

Efficiency Ratio (YTD, annualized)

80.26%-481 bps YoY

Net Worth / Assets

7.82%-69 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.29%0.44%0.59%0.19%-4 bps
Return on Equity2.72%3.76%5.45%7.23%2.44%-28 bps
Net Interest Margin4.06%3.79%3.98%4.04%4.08%+3 bps
Efficiency Ratio85.07%81.75%80.39%79.96%80.26%-481 bps
Growth
Asset Growth (YoY)2.34%14.15%6.59%6.56%8.37%+603 bps
Loan Growth (YoY)7.78%7.22%7.75%5.64%8.18%+40 bps
Share Growth (YoY)2.77%14.63%6.06%6.68%8.52%+575 bps
Asset Quality
Delinquent Loans / Loans2.66%2.61%2.75%1.70%2.12%-54 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 Capital8.52%7.71%8.14%8.14%7.82%-69 bps
Net Worth / Assets8.52%7.71%8.14%8.14%7.82%-69 bps
Liquidity & Funding
Loans / Shares74.57%69.53%72.51%71.18%74.34%-23 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

Arize

State College, PA · Charter 24187 · Peer group: credit unions under $1B in assets in PA (n=72)

NCUA · 3 branches

Q2 2026

$175.9MAssets
$120.9MLoans
$162.6MShares
$13.8MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 74% of credit unions under $1B in assets in PA (rank 19 of 72).
  • Widest gap: equity / assets trails 99% of credit unions under $1B in assets in PA (rank 71 of 72).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.19%

Rank 70 of 72

Net Interest Margin

4.08%

Rank 19 of 72

Efficiency Ratio

80.27%

Rank 49 of 72

Equity / Assets

7.83%

Rank 71 of 72

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.19%0.59%1.06%1.40%Beats 3%70 / 72
Return on Equity2.44%5.27%7.11%9.91%Beats 10%65 / 72
Net Interest Margin4.08%3.09%3.57%4.10%Beats 74%19 / 72
Efficiency Ratio80.27%64.37%73.67%81.63%Beats 33%49 / 72
Asset Quality
Nonperforming Loans / Loans2.12%0.20%0.58%1.09%Beats 7%68 / 72
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio7.83%10.74%12.96%16.84%Beats 1%71 / 72
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets7.83%10.74%12.96%16.84%Beats 1%71 / 72
Liquidity & Funding
Loans / Deposits74.34%34.39%52.54%65.98%88th pctl9 / 72
Loans / Assets68.73%30.23%45.37%57.67%92nd pctl6 / 72
Brokered Deposits / Depositsn/aNot reported for this institution