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Embers

Marquette, MI · Charter 62038

NCUA · 8 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 MI3

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 MI (n=56). 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

48

Q2 2024Q2 2026peer median (50)

Asset Quality

66

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

55

Q2 2024Q2 2026peer median

Efficiency

41

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

Embers

Marquette, MI · Charter 62038

NCUA · 8 branches

Q2 2026

$621.8MAssets
$409.0MLoans
$544.3MShares
$75.0MNet 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 1.06%, up 43 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.64% of loans (+42 bps YoY).
  • Capital: net worth / assets of 12.07%, down 5 bps from a year ago.
  • Funding: loans stand at 75.14% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.59%+39 bps YoY

Efficiency Ratio (YTD, annualized)

73.93%-657 bps YoY

Net Worth / Assets

12.07%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.79%0.88%0.99%1.06%+43 bps
Return on Equity5.19%6.43%7.16%8.25%8.79%+360 bps
Net Interest Margin3.20%3.32%3.38%3.49%3.59%+39 bps
Efficiency Ratio80.50%78.09%76.67%75.60%73.93%-657 bps
Growth
Asset Growth (YoY)7.83%6.08%6.34%8.19%9.35%+152 bps
Loan Growth (YoY)4.80%6.66%8.44%10.01%14.89%+1,009 bps
Share Growth (YoY)6.75%4.72%4.39%7.48%8.53%+178 bps
Asset Quality
Delinquent Loans / Loans0.22%0.30%0.26%0.14%0.64%+42 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 Capital12.12%12.26%12.29%11.95%12.07%-5 bps
Net Worth / Assets12.12%12.26%12.29%11.95%12.07%-5 bps
Liquidity & Funding
Loans / Shares70.98%71.71%72.25%71.09%75.14%+416 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

Embers

Marquette, MI · Charter 62038 · Peer group: credit unions under $1B in assets in MI (n=56)

NCUA · 8 branches

Q2 2026

$621.8MAssets
$409.0MLoans
$544.3MShares
$75.0MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 66% of credit unions under $1B in assets in MI (rank 20 of 56).
  • Widest gap: net interest margin trails 68% of credit unions under $1B in assets in MI (rank 38 of 56).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

1.06%

Rank 33 of 56

Net Interest Margin

3.59%

Rank 38 of 56

Efficiency Ratio

73.94%

Rank 34 of 56

Equity / Assets

12.07%

Rank 29 of 56

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.06%0.74%1.15%1.47%Beats 41%33 / 56
Return on Equity8.79%6.40%9.29%11.51%Beats 45%31 / 56
Net Interest Margin3.59%3.40%3.92%4.36%Beats 32%38 / 56
Efficiency Ratio73.94%65.99%72.16%78.25%Beats 41%34 / 56
Asset Quality
Nonperforming Loans / Loans0.64%0.49%0.84%1.28%Beats 66%20 / 56
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.07%10.20%12.14%14.32%Beats 48%29 / 56
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.07%10.20%12.14%14.32%Beats 48%29 / 56
Liquidity & Funding
Loans / Deposits75.14%52.28%65.96%76.17%71st pctl16 / 56
Loans / Assets65.77%45.34%56.55%67.04%71st pctl16 / 56
Brokered Deposits / Depositsn/aNot reported for this institution