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U.P. Employees

North Little Ro, AR · Charter 24435

NCUA · 2 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 Little Rock-North Little Rock-Conway, 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 Little Rock-North Little Rock-Conway, AR 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

11

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

5

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

U.P. Employees

North Little Ro, AR · Charter 24435

NCUA · 2 branches

Q2 2026

$2.6MAssets
$1.7MLoans
$2.5MShares
$253KNet Worth

Executive Summary

  • Earnings: ROA of -8.33%, down 276 bps year over year; NIM at 6.10%.
  • Asset quality: problem loans at 2.32% of loans (+113 bps YoY).
  • Capital: net worth / assets of 9.65%, down 734 bps from a year ago.
  • Funding: loans stand at 69.10% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-8.33%-276 bps YoY

Net Interest Margin (YTD, annualized)

6.10%-46 bps YoY

Efficiency Ratio (YTD, annualized)

191.69%+2,027 bps YoY

Net Worth / Assets

9.65%-734 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-3.48%-4.69%-4.87%-5.57%-5.70%-6.26%-9.51%-8.33%-276 bps
Return on Equity-17.08%-24.48%-27.04%-32.80%-35.78%-44.03%-77.02%-86.37%-5,356 bps
Net Interest Margin4.56%4.82%6.99%6.56%6.72%6.68%6.81%6.10%-46 bps
Efficiency Ratio160.36%178.75%159.44%171.42%171.79%175.43%186.58%191.69%+2,027 bps
Growth
Asset Growth (YoY)-10.60%-4.89%-6.34%-12.11%-14.11%-12.14%-9.32%-0.64%+1,148 bps
Loan Growth (YoY)64.58%66.59%52.57%35.97%42.51%28.50%27.46%16.96%-1,901 bps
Share Growth (YoY)-8.84%-1.65%5.17%-1.62%-3.66%-1.75%-2.87%8.28%+990 bps
Asset Quality
Delinquent Loans / Loans3.32%5.61%3.90%1.19%0.76%3.05%2.60%2.32%+113 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.75%0.84%0.88%0.21%0.34%1.03%1.84%2.20%+199 bps
Capital
Risk-Based Capital20.39%19.14%18.01%16.98%15.94%14.22%12.34%9.65%-734 bps
Net Worth / Assets20.39%19.14%18.01%16.98%15.94%14.22%12.34%9.65%-734 bps
Liquidity & Funding
Loans / Shares50.84%54.17%52.63%63.97%75.21%70.84%69.06%69.10%+513 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%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

U.P. Employees

North Little Ro, AR · Charter 24435 · Peer group: credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (n=19)

NCUA · 2 branches

Q2 2026

$2.6MAssets
$1.7MLoans
$2.5MShares
$253KNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (rank 1 of 19).
  • Widest gap: efficiency ratio trails 95% of credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (rank 19 of 19).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

-8.30%

Rank 18 of 19

Net Interest Margin

6.10%

Rank 1 of 19

Efficiency Ratio

191.21%

Rank 19 of 19

Equity / Assets

9.64%

Rank 17 of 19

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-8.30%-0.02%0.44%1.25%Beats 5%18 / 19
Return on Equity-86.17%-0.07%3.96%5.78%Beats 5%18 / 19
Net Interest Margin6.10%3.37%4.04%4.48%Beats 95%1 / 19
Efficiency Ratio191.21%69.76%87.77%101.21%Beats 5%19 / 19
Asset Quality
Nonperforming Loans / Loans2.31%0.12%0.82%2.31%Beats 26%15 / 19
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.64%11.21%13.34%22.44%Beats 11%17 / 19
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.64%11.21%13.34%22.44%Beats 11%17 / 19
Liquidity & Funding
Loans / Deposits69.11%56.40%66.97%83.97%53rd pctl9 / 19
Loans / Assets66.06%43.58%56.37%69.23%63rd pctl7 / 19
Brokered Deposits / Depositsn/aNot reported for this institution