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U.P. State

Escanaba, MI · Charter 62085

NCUA · 6 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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

70

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

U.P. State

Escanaba, MI · Charter 62085

NCUA · 6 branches

Q2 2026

$210.3MAssets
$138.3MLoans
$181.5MShares
$27.7MNet 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 1.66%, up 94 bps year over year; NIM at 4.63%.
  • Asset quality: problem loans at 1.10% of loans (+72 bps YoY).
  • Capital: net worth / assets of 13.17%, up 122 bps from a year ago.
  • Funding: loans stand at 76.17% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.66%+94 bps YoY

Net Interest Margin (YTD, annualized)

4.63%+7 bps YoY

Efficiency Ratio (YTD, annualized)

68.60%-1,779 bps YoY

Net Worth / Assets

13.17%+122 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%1.12%1.34%1.55%1.66%+94 bps
Return on Equity6.07%9.12%10.64%12.25%12.62%+655 bps
Net Interest Margin4.56%4.60%4.57%4.56%4.63%+7 bps
Efficiency Ratio86.39%79.23%75.51%70.23%68.60%-1,779 bps
Growth
Asset Growth (YoY)1.66%2.01%4.88%5.73%5.02%+335 bps
Loan Growth (YoY)3.93%7.94%13.32%16.90%19.42%+1,550 bps
Share Growth (YoY)2.09%1.39%4.20%4.87%2.43%+34 bps
Asset Quality
Delinquent Loans / Loans0.38%0.46%0.66%0.54%1.10%+72 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 Capital11.94%12.30%12.56%12.64%13.17%+122 bps
Net Worth / Assets11.94%12.30%12.56%12.64%13.17%+122 bps
Liquidity & Funding
Loans / Shares65.33%67.81%69.41%69.85%76.17%+1,084 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

U.P. State

Escanaba, MI · Charter 62085 · Peer group: credit unions under $1B in assets in MI (n=56)

NCUA · 6 branches

Q2 2026

$210.3MAssets
$138.3MLoans
$181.5MShares
$27.7MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 86% of credit unions under $1B in assets in MI (rank 8 of 56).
  • Widest gap: nonperforming loans / loans trails 70% of credit unions under $1B in assets in MI (rank 40 of 56).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.66%

Rank 10 of 56

Net Interest Margin

4.63%

Rank 8 of 56

Efficiency Ratio

68.60%

Rank 18 of 56

Equity / Assets

13.17%

Rank 24 of 56

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.66%0.74%1.15%1.47%Beats 82%10 / 56
Return on Equity12.62%6.40%9.29%11.51%Beats 84%9 / 56
Net Interest Margin4.63%3.40%3.92%4.36%Beats 86%8 / 56
Efficiency Ratio68.60%65.99%72.16%78.25%Beats 70%18 / 56
Asset Quality
Nonperforming Loans / Loans1.10%0.49%0.84%1.28%Beats 30%40 / 56
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.17%10.20%12.14%14.32%Beats 57%24 / 56
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.17%10.20%12.14%14.32%Beats 57%24 / 56
Liquidity & Funding
Loans / Deposits76.17%52.28%65.96%76.17%75th pctl14 / 56
Loans / Assets65.75%45.34%56.55%67.04%70th pctl17 / 56
Brokered Deposits / Depositsn/aNot reported for this institution