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Moonlight

Worthington, PA · Charter 24978

NCUA

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 Pittsburgh, PA 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 Pittsburgh, PA area (n=78). 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

Q3 2025Q2 2026peer median (50)

Asset Quality

91

Q3 2025Q2 2026peer median (50)

Profitability

77

Q3 2025Q2 2026peer median (50)

Liquidity

0

Q3 2025Q2 2026peer median

Efficiency

87

Q3 2025Q2 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

Moonlight

Worthington, PA · Charter 24978

NCUA

Q2 2026

$53.6MAssets
$38.2MLoans
$44.1MShares
$9.6MNet 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 1.78%; NIM at 3.83%.
  • Asset quality: problem loans at 0.06% of loans.
  • Capital: net worth / assets of 17.94%.
  • Funding: loans stand at 86.50% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.78%

Net Interest Margin (YTD, annualized)

3.83%

Efficiency Ratio (YTD, annualized)

58.21%

Net Worth / Assets

17.94%

Year to date, annualized, through each quarter.

MetricQ3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.56%2.15%1.78%n/a
Return on Equity9.12%8.92%12.17%9.90%n/a
Net Interest Margin3.59%3.56%4.14%3.83%n/a
Efficiency Ratio59.94%60.26%53.48%58.21%n/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.19%0.05%0.06%0.06%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%n/a
Capital
Risk-Based Capital17.41%17.45%17.69%17.94%n/a
Net Worth / Assets17.41%17.45%17.69%17.94%n/a
Liquidity & Funding
Loans / Shares86.95%85.05%85.06%86.50%n/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%n/a

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

Moonlight

Worthington, PA · Charter 24978 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)

NCUA

Q2 2026

$53.6MAssets
$38.2MLoans
$44.1MShares
$9.6MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 91% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 8 of 78).
  • Widest gap: net interest margin trails 38% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 30 of 78).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.77%

Rank 8 of 78

Net Interest Margin

3.83%

Rank 30 of 78

Efficiency Ratio

58.16%

Rank 11 of 78

Equity / Assets

17.94%

Rank 22 of 78

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.77%0.37%0.83%1.31%Beats 90%8 / 78
Return on Equity9.89%1.73%5.71%9.08%Beats 79%16 / 78
Net Interest Margin3.83%3.17%3.63%4.21%Beats 62%30 / 78
Efficiency Ratio58.16%65.01%78.15%89.28%Beats 87%11 / 78
Asset Quality
Nonperforming Loans / Loans0.06%0.40%0.84%1.97%Beats 91%8 / 78
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.94%12.42%15.10%18.27%Beats 72%22 / 78
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.94%12.42%15.10%18.27%Beats 72%22 / 78
Liquidity & Funding
Loans / Deposits86.50%34.83%50.41%71.84%92nd pctl6 / 78
Loans / Assets71.13%29.34%41.02%56.96%91st pctl7 / 78
Brokered Deposits / Depositsn/aNot reported for this institution