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Nucor Employee's

Florence, SC · Charter 61028

NCUA · 13 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

86

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

78

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

Nucor Employee's

Florence, SC · Charter 61028

NCUA · 13 branches

Q2 2026

$68.2MAssets
$39.6MLoans
$54.2MShares
$13.5MNet 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 1.80%, down 55 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 0.61% of loans (+2 bps YoY).
  • Capital: net worth / assets of 19.74%, up 94 bps from a year ago.
  • Funding: loans stand at 73.09% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.80%-55 bps YoY

Net Interest Margin (YTD, annualized)

4.32%-13 bps YoY

Efficiency Ratio (YTD, annualized)

67.23%+775 bps YoY

Net Worth / Assets

19.74%+94 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.35%2.13%1.97%1.61%1.80%-55 bps
Return on Equity12.50%10.95%10.29%8.57%9.14%-336 bps
Net Interest Margin4.46%4.57%4.42%4.11%4.32%-13 bps
Efficiency Ratio59.48%60.00%61.49%65.91%67.23%+775 bps
Growth
Asset Growth (YoY)1.97%3.86%9.01%6.48%4.04%+208 bps
Loan Growth (YoY)-1.36%1.84%-0.89%-1.99%-0.34%+103 bps
Share Growth (YoY)0.42%1.89%8.34%5.53%2.67%+225 bps
Asset Quality
Delinquent Loans / Loans0.60%0.54%0.35%0.33%0.61%+2 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 Capital18.80%19.42%19.10%18.82%19.74%+94 bps
Net Worth / Assets18.80%19.42%19.10%18.82%19.74%+94 bps
Liquidity & Funding
Loans / Shares75.30%77.49%73.67%69.62%73.09%-221 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

Nucor Employee's

Florence, SC · Charter 61028 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 13 branches

Q2 2026

$68.2MAssets
$39.6MLoans
$54.2MShares
$13.5MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 92% of credit unions under $1B in assets (rank 128 of 1683).
  • Widest gap: nonperforming loans / loans trails 48% of credit unions under $1B in assets (rank 809 of 1682).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.81%

Rank 128 of 1,683

Net Interest Margin

4.32%

Rank 418 of 1,683

Efficiency Ratio

67.20%

Rank 369 of 1,682

Equity / Assets

19.74%

Rank 236 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.81%0.35%0.74%1.18%Beats 92%128 / 1,683
Return on Equity9.15%2.67%5.89%8.74%Beats 78%375 / 1,681
Net Interest Margin4.32%3.31%3.82%4.32%Beats 75%418 / 1,683
Efficiency Ratio67.20%68.91%78.20%86.93%Beats 78%369 / 1,682
Asset Quality
Nonperforming Loans / Loans0.61%0.26%0.65%1.29%Beats 52%809 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio19.74%10.44%12.89%16.53%Beats 86%236 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets19.74%10.44%12.89%16.53%Beats 86%236 / 1,683
Liquidity & Funding
Loans / Deposits73.09%52.61%69.38%83.50%57th pctl722 / 1,683
Loans / Assets58.04%44.71%59.18%70.72%48th pctl879 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution