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Healthplus

Jackson, MS · Charter 5930

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 assets in the Birmingham, AL 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 Birmingham, AL area (n=29). 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

3

Q2 2024Q2 2026peer median (50)

Asset Quality

10

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

10

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

Healthplus

Jackson, MS · Charter 5930

NCUA · 2 branches

Q2 2026

$10.5MAssets
$6.6MLoans
$9.6MShares
$876KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Financial Results

Return on Assets (YTD, annualized)

-0.70%+311 bps YoY

Net Interest Margin (YTD, annualized)

4.78%-113 bps YoY

Efficiency Ratio (YTD, annualized)

101.56%+1,399 bps YoY

Net Worth / Assets

8.32%-199 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets-3.81%-4.05%-3.24%-0.42%-0.70%+311 bps
Net Interest Margin5.91%5.83%5.50%3.94%4.78%-113 bps
Asset Growth (YoY)5.57%2.50%3.61%3.15%1.07%-451 bps
Share Growth (YoY)7.16%6.56%8.66%6.85%3.55%-361 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Risk-Based Capital10.31%9.24%8.47%8.32%8.32%-199 bps
Loans / Shares84.89%81.30%75.10%71.47%68.76%-1,613 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

Healthplus

Jackson, MS · Charter 5930 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)

NCUA · 2 branches

Q2 2026

$10.5MAssets
$6.6MLoans
$9.6MShares
$876KNet Worth

Return on Assets

-0.70%

Rank 27 of 29

Net Interest Margin

4.79%

Rank 5 of 29

Efficiency Ratio

101.41%

Rank 27 of 29

Equity / Assets

8.32%

Rank 28 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Return on Assets-0.70%0.26%0.65%1.06%Beats 7%27 / 29
Net Interest Margin4.79%3.29%3.80%4.67%Beats 83%5 / 29
Nonperforming Loans / Loans8.53%0.40%1.03%1.72%Beats 10%27 / 29
Tier 1 Capital Ratio8.32%10.13%13.97%19.12%Beats 3%28 / 29
Equity / Assets8.32%10.13%13.97%19.12%Beats 3%28 / 29
Loans / Assets62.91%35.46%45.52%58.70%79th pctl6 / 29