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Galaxy

Franklin, PA · Charter 4116

NCUA · 2 branches

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

78

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

46

Q2 2024Q2 2026peer median

Efficiency

54

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

Galaxy

Franklin, PA · Charter 4116

NCUA · 2 branches

Q2 2026

$72.6MAssets
$31.6MLoans
$59.8MShares
$12.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.47%, down 40 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.27% of loans (-55 bps YoY).
  • Capital: net worth / assets of 17.27%, down 74 bps from a year ago.
  • Funding: loans stand at 52.82% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.47%-40 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+6 bps YoY

Efficiency Ratio (YTD, annualized)

77.00%+538 bps YoY

Net Worth / Assets

17.27%-74 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.68%0.54%0.86%0.90%0.79%0.77%0.47%-40 bps
Return on Equity3.91%3.80%3.09%4.80%5.03%4.52%4.46%2.72%-208 bps
Net Interest Margin2.78%2.69%2.87%3.00%2.99%2.97%2.97%3.06%+6 bps
Efficiency Ratio71.32%70.43%77.17%71.62%71.25%72.55%74.18%77.00%+538 bps
Growth
Asset Growth (YoY)6.62%10.94%11.55%7.38%8.20%6.98%7.11%7.70%+31 bps
Loan Growth (YoY)2.72%-1.96%-3.88%-4.40%-0.64%2.91%4.20%4.91%+931 bps
Share Growth (YoY)6.99%12.38%13.08%7.81%8.48%7.58%7.42%8.56%+74 bps
Asset Quality
Delinquent Loans / Loans0.67%1.01%0.87%0.82%0.51%0.68%0.41%0.27%-55 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 Capital18.49%17.97%17.50%18.01%17.86%17.54%17.15%17.27%-74 bps
Net Worth / Assets18.49%17.97%17.50%18.01%17.86%17.54%17.15%17.27%-74 bps
Liquidity & Funding
Loans / Shares59.53%56.29%53.84%54.65%54.53%53.84%52.23%52.82%-184 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

Galaxy

Franklin, PA · Charter 4116 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 2 branches

Q2 2026

$72.6MAssets
$31.6MLoans
$59.8MShares
$12.5MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 78% of credit unions under $1B in assets (rank 375 of 1683).
  • Widest gap: net interest margin trails 84% of credit unions under $1B in assets (rank 1414 of 1683).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.47%

Rank 1,170 of 1,683

Net Interest Margin

3.06%

Rank 1,414 of 1,683

Efficiency Ratio

77.03%

Rank 780 of 1,682

Equity / Assets

17.28%

Rank 375 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.47%0.35%0.74%1.18%Beats 30%1,170 / 1,683
Return on Equity2.71%2.67%5.89%8.74%Beats 25%1,253 / 1,681
Net Interest Margin3.06%3.31%3.82%4.32%Beats 16%1,414 / 1,683
Efficiency Ratio77.03%68.91%78.20%86.93%Beats 54%780 / 1,682
Asset Quality
Nonperforming Loans / Loans0.27%0.26%0.65%1.29%Beats 74%430 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.28%10.44%12.89%16.53%Beats 78%375 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.28%10.44%12.89%16.53%Beats 78%375 / 1,683
Liquidity & Funding
Loans / Deposits52.82%52.61%69.38%83.50%25th pctl1,258 / 1,683
Loans / Assets43.52%44.71%59.18%70.72%24th pctl1,283 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution