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Wes

Willoughby, OH · Charter 61233

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 assets in the Cleveland, OH 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 Cleveland, OH area (n=39). 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

26

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

82

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

Wes

Willoughby, OH · Charter 61233

NCUA · 1 branch

Q2 2026

$14.3MAssets
$3.1MLoans
$12.8MShares
$1.5MNet 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 1.09%, up 31 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 1.89% of loans (+79 bps YoY).
  • Capital: net worth / assets of 10.20%, up 56 bps from a year ago.
  • Funding: loans stand at 24.40% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%+31 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+49 bps YoY

Efficiency Ratio (YTD, annualized)

72.52%-344 bps YoY

Net Worth / Assets

10.20%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.73%0.79%0.93%1.09%+31 bps
Return on Equity8.03%7.44%7.95%9.50%10.65%+263 bps
Net Interest Margin3.54%3.68%3.73%4.01%4.04%+49 bps
Efficiency Ratio75.96%77.00%76.30%73.25%72.52%-344 bps
Growth
Asset Growth (YoY)4.06%5.03%-1.36%3.68%3.70%-37 bps
Loan Growth (YoY)-12.57%-7.40%-2.81%-3.93%-8.14%+443 bps
Share Growth (YoY)1.94%3.75%-3.18%2.60%3.07%+113 bps
Asset Quality
Delinquent Loans / Loans1.10%1.30%1.14%1.44%1.89%+79 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 Capital9.64%9.88%9.96%9.80%10.20%+56 bps
Net Worth / Assets9.64%9.88%9.96%9.80%10.20%+56 bps
Liquidity & Funding
Loans / Shares27.38%28.04%27.01%24.50%24.40%-298 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

Wes

Willoughby, OH · Charter 61233 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)

NCUA · 1 branch

Q2 2026

$14.3MAssets
$3.1MLoans
$12.8MShares
$1.5MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 92% of credit unions under $1B in assets in the Cleveland, OH area (rank 3 of 39).
  • Widest gap: equity / assets trails 74% of credit unions under $1B in assets in the Cleveland, OH area (rank 29 of 39).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.09%

Rank 6 of 39

Net Interest Margin

4.03%

Rank 14 of 39

Efficiency Ratio

72.35%

Rank 8 of 39

Equity / Assets

10.20%

Rank 29 of 39

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.09%0.13%0.49%0.87%Beats 85%6 / 39
Return on Equity10.70%1.01%4.09%7.61%Beats 92%3 / 39
Net Interest Margin4.03%3.28%3.83%4.18%Beats 64%14 / 39
Efficiency Ratio72.35%76.45%81.64%91.75%Beats 82%8 / 39
Asset Quality
Nonperforming Loans / Loans1.88%0.15%0.61%1.88%Beats 26%30 / 39
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.20%10.00%12.89%19.36%Beats 26%29 / 39
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.20%10.00%12.89%19.36%Beats 26%29 / 39
Liquidity & Funding
Loans / Deposits24.40%45.46%53.28%74.29%5th pctl37 / 39
Loans / Assets21.93%36.24%44.98%63.66%5th pctl37 / 39
Brokered Deposits / Depositsn/aNot reported for this institution