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People's Community

Vancouver, WA · Charter 24713

NCUA · 5 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 Portland-Vancouver-Hillsboro, OR-WA 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 Portland-Vancouver-Hillsboro, OR-WA area (n=20). 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

2

Q2 2024Q2 2026peer median

Efficiency

80

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

People's Community

Vancouver, WA · Charter 24713

NCUA · 5 branches

Q2 2026

$269.1MAssets
$122.7MLoans
$236.7MShares
$41.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.92%, up 2 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 2.32% of loans (+232 bps YoY).
  • Capital: net worth / assets of 15.51%, up 96 bps from a year ago.
  • Funding: loans stand at 51.82% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.92%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+18 bps YoY

Efficiency Ratio (YTD, annualized)

70.83%-116 bps YoY

Net Worth / Assets

15.51%+96 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.79%0.80%0.90%1.00%0.94%0.86%0.92%+2 bps
Return on Equity5.85%5.66%5.76%6.18%6.73%6.40%5.86%5.94%-25 bps
Net Interest Margin2.60%2.57%2.55%2.73%2.82%2.75%2.66%2.90%+18 bps
Efficiency Ratio74.01%74.10%73.29%71.99%70.18%70.42%72.70%70.83%-116 bps
Growth
Asset Growth (YoY)-2.85%-1.62%0.52%-0.86%0.20%2.14%-0.87%-1.64%-78 bps
Loan Growth (YoY)-2.67%-4.91%1.03%0.31%2.18%1.31%0.30%3.49%+318 bps
Share Growth (YoY)-5.41%-2.21%-0.44%-2.19%-0.76%0.40%-1.98%-2.48%-29 bps
Asset Quality
Delinquent Loans / Loans0.00%0.19%0.00%0.00%0.00%0.00%2.41%2.32%+232 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.01%14.04%13.89%14.55%14.92%14.68%14.71%15.51%+96 bps
Net Worth / Assets14.01%14.04%13.89%14.55%14.92%14.68%14.71%15.51%+96 bps
Liquidity & Funding
Loans / Shares47.74%46.79%46.69%48.83%49.15%47.21%47.77%51.82%+299 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

People's Community

Vancouver, WA · Charter 24713 · Peer group: credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=20)

NCUA · 5 branches

Q2 2026

$269.1MAssets
$122.7MLoans
$236.7MShares
$41.7MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 80% of credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (rank 5 of 20).
  • Widest gap: net interest margin trails 95% of credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (rank 19 of 20).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.92%

Rank 6 of 20

Net Interest Margin

2.90%

Rank 19 of 20

Efficiency Ratio

70.83%

Rank 5 of 20

Equity / Assets

15.51%

Rank 7 of 20

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.92%0.06%0.60%1.13%Beats 70%6 / 20
Return on Equity5.93%0.46%4.53%6.81%Beats 65%7 / 20
Net Interest Margin2.90%3.68%4.11%4.53%Beats 5%19 / 20
Efficiency Ratio70.83%73.06%81.99%96.42%Beats 80%5 / 20
Asset Quality
Nonperforming Loans / Loans2.32%0.78%1.02%2.15%Beats 15%18 / 20
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.51%10.29%14.61%16.23%Beats 65%7 / 20
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.51%10.29%14.61%16.23%Beats 65%7 / 20
Liquidity & Funding
Loans / Deposits51.82%71.61%80.41%86.01%10th pctl18 / 20
Loans / Assets45.59%60.98%70.81%74.91%10th pctl18 / 20
Brokered Deposits / Depositsn/aNot reported for this institution