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Financial Plus

Ottawa, IL · Charter 61231

NCUA · 5 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

71

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

Financial Plus

Ottawa, IL · Charter 61231

NCUA · 5 branches

Q2 2026

$607.4MAssets
$395.5MLoans
$520.6MShares
$80.4MNet 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 1.48%, up 33 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.45% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.24%, up 28 bps from a year ago.
  • Funding: loans stand at 75.98% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%+33 bps YoY

Net Interest Margin (YTD, annualized)

4.05%+20 bps YoY

Efficiency Ratio (YTD, annualized)

67.44%-307 bps YoY

Net Worth / Assets

13.24%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.30%1.34%1.50%1.48%+33 bps
Return on Equity8.89%9.66%10.20%11.59%11.16%+227 bps
Net Interest Margin3.84%3.99%3.84%3.93%4.05%+20 bps
Efficiency Ratio70.51%68.19%67.79%65.56%67.44%-307 bps
Growth
Asset Growth (YoY)8.05%7.71%9.84%9.12%9.83%+178 bps
Loan Growth (YoY)9.93%11.96%12.25%13.06%13.23%+330 bps
Share Growth (YoY)6.82%6.73%8.54%8.08%9.25%+242 bps
Asset Quality
Delinquent Loans / Loans0.46%0.45%0.51%0.41%0.45%0 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 Capital12.96%13.46%13.09%12.96%13.24%+28 bps
Net Worth / Assets12.96%13.46%13.09%12.96%13.24%+28 bps
Liquidity & Funding
Loans / Shares73.30%78.07%74.82%73.67%75.98%+267 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

Financial Plus

Ottawa, IL · Charter 61231 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 5 branches

Q2 2026

$607.4MAssets
$395.5MLoans
$520.6MShares
$80.4MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 89% of credit unions under $1B in assets (rank 192 of 1681).
  • Widest gap: equity / assets trails 46% of credit unions under $1B in assets (rank 777 of 1683).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.48%

Rank 256 of 1,683

Net Interest Margin

4.05%

Rank 630 of 1,683

Efficiency Ratio

67.44%

Rank 374 of 1,682

Equity / Assets

13.24%

Rank 777 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.48%0.35%0.74%1.18%Beats 85%256 / 1,683
Return on Equity11.16%2.67%5.89%8.74%Beats 89%192 / 1,681
Net Interest Margin4.05%3.31%3.82%4.32%Beats 63%630 / 1,683
Efficiency Ratio67.44%68.91%78.20%86.93%Beats 78%374 / 1,682
Asset Quality
Nonperforming Loans / Loans0.45%0.26%0.65%1.29%Beats 63%629 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.24%10.44%12.89%16.53%Beats 54%777 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.24%10.44%12.89%16.53%Beats 54%777 / 1,683
Liquidity & Funding
Loans / Deposits75.98%52.61%69.38%83.50%62nd pctl644 / 1,683
Loans / Assets65.12%44.71%59.18%70.72%63rd pctl629 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution