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Harbor Pointe

Duluth, MN · Charter 60207

NCUA · 3 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 Duluth, MN-WI 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 Duluth, MN-WI area (n=16). 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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

56

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

Harbor Pointe

Duluth, MN · Charter 60207

NCUA · 3 branches

Q2 2026

$158.5MAssets
$131.0MLoans
$136.5MShares
$21.6MNet 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 1.44%, up 34 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 1.31% of loans (+110 bps YoY).
  • Capital: net worth / assets of 13.63%, up 51 bps from a year ago.
  • Funding: loans stand at 96.01% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.44%+34 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+8 bps YoY

Efficiency Ratio (YTD, annualized)

69.45%-229 bps YoY

Net Worth / Assets

13.63%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.24%1.23%1.42%1.44%+34 bps
Return on Equity8.45%9.38%9.14%10.65%10.60%+215 bps
Net Interest Margin4.06%4.04%4.07%4.08%4.14%+8 bps
Efficiency Ratio71.74%70.19%70.80%70.74%69.45%-229 bps
Growth
Asset Growth (YoY)2.63%4.10%5.81%5.94%7.12%+449 bps
Loan Growth (YoY)7.61%6.42%7.46%8.50%6.53%-108 bps
Share Growth (YoY)1.11%2.91%4.85%5.06%6.31%+520 bps
Asset Quality
Delinquent Loans / Loans0.21%0.27%0.27%0.55%1.31%+110 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 Capital13.12%13.23%13.43%13.35%13.63%+51 bps
Net Worth / Assets13.12%13.23%13.43%13.35%13.63%+51 bps
Liquidity & Funding
Loans / Shares95.81%93.63%96.26%93.79%96.01%+20 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

Harbor Pointe

Duluth, MN · Charter 60207 · Peer group: credit unions under $1B in assets in the Duluth, MN-WI area (n=16)

NCUA · 3 branches

Q2 2026

$158.5MAssets
$131.0MLoans
$136.5MShares
$21.6MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 56% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 8 of 16).
  • Widest gap: equity / assets trails 69% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 11 of 16).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

1.44%

Rank 8 of 16

Net Interest Margin

4.14%

Rank 10 of 16

Efficiency Ratio

69.45%

Rank 8 of 16

Equity / Assets

13.63%

Rank 11 of 16

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.44%0.85%1.44%2.05%Beats 50%8 / 16
Return on Equity10.60%6.27%10.66%13.40%Beats 44%9 / 16
Net Interest Margin4.14%4.07%4.17%4.88%Beats 38%10 / 16
Efficiency Ratio69.45%63.01%70.37%80.78%Beats 56%8 / 16
Asset Quality
Nonperforming Loans / Loans1.31%0.32%0.86%1.92%Beats 31%12 / 16
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.63%13.43%14.66%16.97%Beats 31%11 / 16
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.63%13.43%14.66%16.97%Beats 31%11 / 16
Liquidity & Funding
Loans / Deposits96.01%67.52%85.26%93.00%88th pctl2 / 16
Loans / Assets82.67%52.10%73.80%79.04%94th pctl1 / 16
Brokered Deposits / Depositsn/aNot reported for this institution