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Kimberly Clark

Memphis, TN · Charter 60928

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

91

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

62

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

Kimberly Clark

Memphis, TN · Charter 60928

NCUA · 1 branch

Q2 2026

$144.7MAssets
$81.6MLoans
$111.5MShares
$32.3MNet 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 0.52%, up 17 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 1.33% of loans (+17 bps YoY).
  • Capital: net worth / assets of 22.34%, up 30 bps from a year ago.
  • Funding: loans stand at 73.15% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.52%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+4 bps YoY

Efficiency Ratio (YTD, annualized)

74.22%-415 bps YoY

Net Worth / Assets

22.34%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.39%0.43%0.54%0.52%+17 bps
Return on Equity1.61%1.75%1.91%2.43%2.33%+73 bps
Net Interest Margin3.39%3.46%3.47%3.44%3.43%+4 bps
Efficiency Ratio78.37%77.96%77.59%73.81%74.22%-415 bps
Growth
Asset Growth (YoY)1.98%1.81%0.93%1.66%0.94%-104 bps
Loan Growth (YoY)-4.79%-2.75%-3.15%-1.73%-0.52%+427 bps
Share Growth (YoY)2.70%1.60%0.72%1.13%0.59%-211 bps
Asset Quality
Delinquent Loans / Loans1.17%1.00%1.55%1.05%1.33%+17 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 Capital22.04%22.28%22.39%22.03%22.34%+30 bps
Net Worth / Assets22.04%22.28%22.39%22.03%22.34%+30 bps
Liquidity & Funding
Loans / Shares73.96%74.98%73.58%72.10%73.15%-81 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

Kimberly Clark

Memphis, TN · Charter 60928 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$144.7MAssets
$81.6MLoans
$111.5MShares
$32.3MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 91% of credit unions under $1B in assets (rank 153 of 1683).
  • Widest gap: return on equity trails 78% of credit unions under $1B in assets (rank 1308 of 1681).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.52%

Rank 1,107 of 1,683

Net Interest Margin

3.43%

Rank 1,175 of 1,683

Efficiency Ratio

74.20%

Rank 644 of 1,682

Equity / Assets

22.34%

Rank 153 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.52%0.35%0.74%1.18%Beats 34%1,107 / 1,683
Return on Equity2.33%2.67%5.89%8.74%Beats 22%1,308 / 1,681
Net Interest Margin3.43%3.31%3.82%4.32%Beats 30%1,175 / 1,683
Efficiency Ratio74.20%68.91%78.20%86.93%Beats 62%644 / 1,682
Asset Quality
Nonperforming Loans / Loans1.33%0.26%0.65%1.29%Beats 24%1,280 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio22.34%10.44%12.89%16.53%Beats 91%153 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets22.34%10.44%12.89%16.53%Beats 91%153 / 1,683
Liquidity & Funding
Loans / Deposits73.15%52.61%69.38%83.50%57th pctl719 / 1,683
Loans / Assets56.38%44.71%59.18%70.72%44th pctl942 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution