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Pillar

Marion, OH · Charter 61324

NCUA · 2 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 Columbus, 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 Columbus, OH area (n=18). 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

78

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

86

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 2026-10-10

Pillar

Marion, OH · Charter 61324

NCUA · 2 branches

Q2 2026

$134.8MAssets
$81.8MLoans
$120.4MShares
$15.7MNet 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 1.17%, up 14 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.60% of loans (-13 bps YoY).
  • Capital: net worth / assets of 11.64%, up 103 bps from a year ago.
  • Funding: loans stand at 67.94% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.17%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+28 bps YoY

Efficiency Ratio (YTD, annualized)

72.20%-202 bps YoY

Net Worth / Assets

11.64%+103 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.05%0.98%0.90%1.17%+14 bps
Return on Equity9.69%9.69%9.17%8.44%10.08%+38 bps
Net Interest Margin3.25%3.37%3.38%3.56%3.53%+28 bps
Efficiency Ratio74.23%72.86%73.21%73.83%72.20%-202 bps
Growth
Asset Growth (YoY)9.21%9.23%10.08%7.91%12.43%+322 bps
Loan Growth (YoY)1.73%2.17%2.38%3.00%9.39%+766 bps
Share Growth (YoY)9.12%9.22%9.39%7.28%10.54%+142 bps
Asset Quality
Delinquent Loans / Loans0.73%1.04%0.95%0.89%0.60%-13 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 Capital10.61%10.81%10.72%10.64%11.64%+103 bps
Net Worth / Assets10.61%10.81%10.72%10.64%11.64%+103 bps
Liquidity & Funding
Loans / Shares68.65%68.33%66.60%65.48%67.94%-72 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 2026-10-10

Pillar

Marion, OH · Charter 61324 · Peer group: credit unions under $1B in assets in the Columbus, OH area (n=18)

NCUA · 2 branches

Q2 2026

$134.8MAssets
$81.8MLoans
$120.4MShares
$15.7MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 89% of credit unions under $1B in assets in the Columbus, OH area (rank 2 of 18).
  • Widest gap: net interest margin trails 61% of credit unions under $1B in assets in the Columbus, OH area (rank 11 of 18).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.17%

Rank 2 of 18

Net Interest Margin

3.53%

Rank 11 of 18

Efficiency Ratio

72.20%

Rank 5 of 18

Equity / Assets

11.64%

Rank 4 of 18

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.59%0.76%0.99%Beats 89%2 / 18
Return on Equity10.08%4.13%7.59%9.05%Beats 83%3 / 18
Net Interest Margin3.53%3.24%3.56%3.79%Beats 39%11 / 18
Efficiency Ratio72.20%72.20%76.10%84.19%Beats 78%5 / 18
Asset Quality
Nonperforming Loans / Loans0.60%0.37%0.66%1.08%Beats 56%9 / 18
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.64%9.66%10.67%11.63%Beats 78%4 / 18
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.64%9.66%10.67%11.63%Beats 78%4 / 18
Liquidity & Funding
Loans / Deposits67.94%47.40%66.89%76.69%56th pctl8 / 18
Loans / Assets60.68%43.35%60.60%69.11%56th pctl8 / 18
Brokered Deposits / Depositsn/aNot reported for this institution