Alpine

Orem, UT · Charter 24988

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

Asset Quality

Profitability

Liquidity

Efficiency

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.

Alpine

Orem, UT · Charter 24988

Q2 2026

$362.9MAssets

$245.7MLoans

$321.5MShares

$37.5MNet 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 1.01%; NIM at 3.26%.
Asset quality: problem loans at 1.00% of loans.

Capital: net worth / assets of 10.33%.
Funding: loans stand at 76.42% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%

Net Interest Margin (YTD, annualized)

3.26%

Efficiency Ratio (YTD, annualized)

71.02%

Net Worth / Assets

10.33%

Year to date, annualized, through each quarter.

Metric	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	1.01%	n/a	n/a
Return on Equity	9.79%	n/a	n/a
Net Interest Margin	3.26%	n/a	n/a
Efficiency Ratio	71.02%	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a
Asset Quality
Delinquent Loans / Loans	1.00%	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a
Allowance / Loans	0.00%	n/a	n/a
Capital
Risk-Based Capital	10.33%	n/a	n/a
Net Worth / Assets	10.33%	n/a	n/a
Liquidity & Funding
Loans / Shares	76.42%	n/a	n/a
Liquid Assets / Assets	0.00%	n/a	n/a

Alpine

Orem, UT · Charter 24988 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

Q2 2026

$362.9MAssets

$245.7MLoans

$321.5MShares

$37.5MNet Worth

Executive Summary

Strongest standing: return on equity outperforms 82% of credit unions under $1B in assets (rank 308 of 1681).
Widest gap: net interest margin trails 77% of credit unions under $1B in assets (rank 1302 of 1683).
Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

1.01%

Rank 585 of 1,683

Net Interest Margin

3.26%

Rank 1,302 of 1,683

Efficiency Ratio

71.02%

Rank 497 of 1,682

Equity / Assets

10.33%

Rank 1,279 of 1,683

Metric	Your Credit Union	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.01%	0.35%	0.74%	1.18%	Beats 65%	585 / 1,683
Return on Equity	9.79%	2.67%	5.89%	8.74%	Beats 82%	308 / 1,681
Net Interest Margin	3.26%	3.31%	3.82%	4.32%	Beats 23%	1,302 / 1,683
Efficiency Ratio	71.02%	68.91%	78.20%	86.93%	Beats 71%	497 / 1,682
Asset Quality
Nonperforming Loans / Loans	1.00%	0.26%	0.65%	1.29%	Beats 33%	1,129 / 1,682
Net Charge-Offs / Loans	n/a	Not reported for this institution
Capital
Tier 1 Capital Ratio	10.33%	10.44%	12.89%	16.53%	Beats 24%	1,279 / 1,683
Total Risk-Based Capital Ratio	n/a	Not reported for this institution
Equity / Assets	10.33%	10.44%	12.89%	16.53%	Beats 24%	1,279 / 1,683
Liquidity & Funding
Loans / Deposits	76.42%	52.61%	69.38%	83.50%	62nd pctl	632 / 1,683
Loans / Assets	67.72%	44.71%	59.18%	70.72%	68th pctl	531 / 1,683
Brokered Deposits / Deposits	n/a	Not reported for this institution