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Lion's Share

Salisbury, NC · Charter 24813

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

0

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

29

Q2 2024Q2 2026peer median

Efficiency

39

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 2026-10-10

Lion's Share

Salisbury, NC · Charter 24813

NCUA · 1 branch

Q2 2026

$64.7MAssets
$53.2MLoans
$62.2MShares
$2.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Financial Results

Return on Assets (YTD, annualized)

-0.17%+265 bps YoY

Net Interest Margin (YTD, annualized)

5.46%-30 bps YoY

Efficiency Ratio (YTD, annualized)

81.90%-402 bps YoY

Net Worth / Assets

3.23%-331 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets-2.82%-4.82%-4.58%-0.61%-0.17%+265 bps
Net Interest Margin5.76%5.99%6.05%5.28%5.46%-30 bps
Asset Growth (YoY)-9.06%-13.25%-3.48%0.89%-0.08%+899 bps
Share Growth (YoY)-5.97%-10.02%0.93%4.42%3.41%+938 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Risk-Based Capital6.55%4.79%3.53%3.10%3.23%-331 bps
Loans / Shares83.55%91.14%93.80%84.42%85.62%+206 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 2026-10-10

Lion's Share

Salisbury, NC · Charter 24813 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$64.7MAssets
$53.2MLoans
$62.2MShares
$2.1MNet Worth

Return on Assets

-0.17%

Rank 1,529 of 1,683

Net Interest Margin

5.45%

Rank 77 of 1,683

Efficiency Ratio

81.90%

Rank 1,029 of 1,682

Equity / Assets

3.23%

Rank 1,679 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Return on Assets-0.17%0.35%0.74%1.18%Beats 9%1,529 / 1,683
Net Interest Margin5.45%3.31%3.82%4.32%Beats 95%77 / 1,683
Nonperforming Loans / Loans1.26%0.26%0.65%1.29%Beats 26%1,253 / 1,682
Tier 1 Capital Ratio3.23%10.44%12.89%16.53%Beats 0%1,679 / 1,683
Equity / Assets3.23%10.44%12.89%16.53%Beats 0%1,679 / 1,683
Loans / Assets82.32%44.71%59.18%70.72%94th pctl93 / 1,683