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U S P L K Employees

Leavenworth, KS · Charter 4427

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 assets in the Kansas City, MO-KS 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 Kansas City, MO-KS area (n=27 to 28). 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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

93

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

96

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

U S P L K Employees

Leavenworth, KS · Charter 4427

NCUA · 1 branch

Q2 2026

$34.0MAssets
$7.8MLoans
$29.1MShares
$4.7MNet 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 0.89%, up 83 bps year over year; NIM at 1.91%.
  • Asset quality: problem loans at 0.15% of loans (+15 bps YoY).
  • Capital: net worth / assets of 13.87%, up 120 bps from a year ago.
  • Funding: loans stand at 26.74% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%+83 bps YoY

Net Interest Margin (YTD, annualized)

1.91%+57 bps YoY

Efficiency Ratio (YTD, annualized)

57.66%-3,785 bps YoY

Net Worth / Assets

13.87%+120 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.06%0.25%0.26%0.57%0.89%+83 bps
Return on Equity0.49%1.95%2.00%4.33%6.44%+595 bps
Net Interest Margin1.33%1.45%1.55%2.37%1.91%+57 bps
Efficiency Ratio95.52%84.31%84.68%80.07%57.66%-3,785 bps
Growth
Asset Growth (YoY)-2.15%-2.15%-3.34%-3.79%-4.11%-196 bps
Loan Growth (YoY)-16.99%-12.65%-5.82%-5.08%-7.31%+967 bps
Share Growth (YoY)-2.17%-2.57%-3.82%-4.51%-5.11%-294 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.15%0.15%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.66%13.06%13.21%13.15%13.87%+120 bps
Net Worth / Assets12.66%13.06%13.21%13.15%13.87%+120 bps
Liquidity & Funding
Loans / Shares27.37%27.74%27.89%26.43%26.74%-63 bps
Liquid Assets / Assets0.00%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

U S P L K Employees

Leavenworth, KS · Charter 4427 · Peer group: credit unions under $1B in assets in the Kansas City, MO-KS area (n=27-28)

NCUA · 1 branch

Q2 2026

$34.0MAssets
$7.8MLoans
$29.1MShares
$4.7MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 96% of credit unions under $1B in assets in the Kansas City, MO-KS area (rank 2 of 28).
  • Widest gap: net interest margin trails 100% of credit unions under $1B in assets in the Kansas City, MO-KS area (rank 28 of 28).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

0.90%

Rank 11 of 28

Net Interest Margin

1.91%

Rank 28 of 28

Efficiency Ratio

57.82%

Rank 2 of 28

Equity / Assets

13.87%

Rank 11 of 28

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.90%0.31%0.62%1.15%Beats 61%11 / 28
Return on Equity6.45%3.10%5.79%7.32%Beats 63%10 / 27
Net Interest Margin1.91%3.95%4.17%4.96%Beats 0%28 / 28
Efficiency Ratio57.82%71.31%75.97%85.82%Beats 96%2 / 28
Asset Quality
Nonperforming Loans / Loans0.15%0.40%0.84%1.90%Beats 93%3 / 28
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.87%9.27%11.97%17.47%Beats 61%11 / 28
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.87%9.27%11.97%17.47%Beats 61%11 / 28
Liquidity & Funding
Loans / Deposits26.74%47.88%66.90%83.14%0th pctl28 / 28
Loans / Assets22.95%42.23%58.20%69.16%0th pctl28 / 28
Brokered Deposits / Depositsn/aNot reported for this institution