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Haulpak

Peoria, IL · Charter 4025

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

97

Q2 2024Q2 2026peer median (50)

Asset Quality

2

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

76

Q2 2024Q2 2026peer median

Efficiency

24

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

Haulpak

Peoria, IL · Charter 4025

NCUA · 1 branch

Q2 2026

$2.0MAssets
$872KLoans
$1.4MShares
$626KNet Worth

Executive Summary

  • Earnings: ROA of 0.48%, down 7 bps year over year; NIM at 6.00%.
  • Asset quality: problem loans at 6.59% of loans (+416 bps YoY).
  • Capital: net worth / assets of 30.80%, up 72 bps from a year ago.
  • Funding: loans stand at 62.02% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.48%-7 bps YoY

Net Interest Margin (YTD, annualized)

6.00%-3 bps YoY

Efficiency Ratio (YTD, annualized)

87.73%+38 bps YoY

Net Worth / Assets

30.80%+72 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.76%0.92%0.55%0.61%0.16%-0.09%0.48%-7 bps
Return on Equity1.22%2.59%3.09%1.85%1.95%0.54%-0.31%1.56%-28 bps
Net Interest Margin5.74%6.13%6.35%6.03%6.34%6.24%5.86%6.00%-3 bps
Efficiency Ratio85.65%82.09%85.06%87.35%88.94%87.29%98.32%87.73%+38 bps
Growth
Asset Growth (YoY)-4.57%-7.14%-10.89%-7.99%-8.88%-3.19%0.49%-1.97%+602 bps
Loan Growth (YoY)6.48%-3.24%-1.85%-7.51%-5.26%-8.52%-11.85%-9.82%-231 bps
Share Growth (YoY)-6.99%-10.70%-15.77%-11.82%-13.53%-4.73%0.83%-2.98%+884 bps
Asset Quality
Delinquent Loans / Loans0.35%0.21%0.00%2.43%6.27%6.03%6.42%6.59%+416 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.00%1.00%1.18%1.45%1.38%1.10%1.32%1.58%+13 bps
Capital
Risk-Based Capital27.73%29.40%29.75%30.07%31.41%30.53%29.51%30.80%+72 bps
Net Worth / Assets27.73%29.40%29.75%30.07%31.41%30.53%29.51%30.80%+72 bps
Liquidity & Funding
Loans / Shares67.79%70.79%69.28%66.72%74.26%67.97%60.57%62.02%-471 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

Haulpak

Peoria, IL · Charter 4025 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$2.0MAssets
$872KLoans
$1.4MShares
$626KNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 98% of credit unions under $1B in assets (rank 41 of 1683).
  • Widest gap: nonperforming loans / loans trails 98% of credit unions under $1B in assets (rank 1651 of 1682).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.49%

Rank 1,148 of 1,683

Net Interest Margin

6.01%

Rank 41 of 1,683

Efficiency Ratio

87.50%

Rank 1,287 of 1,682

Equity / Assets

30.82%

Rank 48 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.49%0.35%0.74%1.18%Beats 32%1,148 / 1,683
Return on Equity1.60%2.67%5.89%8.74%Beats 18%1,379 / 1,681
Net Interest Margin6.01%3.31%3.82%4.32%Beats 98%41 / 1,683
Efficiency Ratio87.50%68.91%78.20%86.93%Beats 24%1,287 / 1,682
Asset Quality
Nonperforming Loans / Loans6.54%0.26%0.65%1.29%Beats 2%1,651 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio30.82%10.44%12.89%16.53%Beats 97%48 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets30.82%10.44%12.89%16.53%Beats 97%48 / 1,683
Liquidity & Funding
Loans / Deposits62.06%52.61%69.38%83.50%38th pctl1,050 / 1,683
Loans / Assets42.93%44.71%59.18%70.72%22nd pctl1,305 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution