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Total Community

Taylor, MI · Charter 62245

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 Detroit-Warren-Dearborn, MI 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 Detroit-Warren-Dearborn, MI area (n=38). 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

74

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

92

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

Total Community

Taylor, MI · Charter 62245

NCUA · 2 branches

Q2 2026

$111.3MAssets
$43.6MLoans
$93.9MShares
$17.0MNet 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 2.04%, up 37 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.36% of loans (-79 bps YoY).
  • Capital: net worth / assets of 15.29%, up 105 bps from a year ago.
  • Funding: loans stand at 46.44% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.04%+37 bps YoY

Net Interest Margin (YTD, annualized)

3.99%0 bps YoY

Efficiency Ratio (YTD, annualized)

61.99%-350 bps YoY

Net Worth / Assets

15.29%+105 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.67%1.80%1.66%2.13%2.04%+37 bps
Return on Equity11.75%12.23%11.19%14.23%13.37%+162 bps
Net Interest Margin3.99%4.04%4.05%3.96%3.99%0 bps
Efficiency Ratio65.50%62.79%62.72%61.71%61.99%-350 bps
Growth
Asset Growth (YoY)2.85%5.29%5.95%5.29%5.40%+255 bps
Loan Growth (YoY)-3.11%-3.63%-5.09%-2.01%-6.09%-298 bps
Share Growth (YoY)0.41%3.29%3.46%3.05%3.87%+346 bps
Asset Quality
Delinquent Loans / Loans1.15%1.18%0.74%0.70%0.36%-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 Capital14.24%14.70%14.88%14.99%15.29%+105 bps
Net Worth / Assets14.24%14.70%14.88%14.99%15.29%+105 bps
Liquidity & Funding
Loans / Shares51.36%50.08%47.57%46.15%46.44%-492 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

Total Community

Taylor, MI · Charter 62245 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)

NCUA · 2 branches

Q2 2026

$111.3MAssets
$43.6MLoans
$93.9MShares
$17.0MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 95% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 2 of 38).
  • Widest gap: net interest margin trails 34% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 13 of 38).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

2.04%

Rank 2 of 38

Net Interest Margin

3.99%

Rank 13 of 38

Efficiency Ratio

61.99%

Rank 4 of 38

Equity / Assets

15.29%

Rank 10 of 38

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.04%0.49%0.78%1.16%Beats 95%2 / 38
Return on Equity13.37%3.91%6.52%8.43%Beats 92%3 / 38
Net Interest Margin3.99%3.41%3.65%4.18%Beats 66%13 / 38
Efficiency Ratio61.99%72.88%78.35%82.40%Beats 92%4 / 38
Asset Quality
Nonperforming Loans / Loans0.36%0.36%0.84%1.47%Beats 79%9 / 38
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.29%11.22%12.45%15.29%Beats 74%10 / 38
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.29%11.22%12.45%15.29%Beats 74%10 / 38
Liquidity & Funding
Loans / Deposits46.44%38.40%54.78%75.62%37th pctl24 / 38
Loans / Assets39.16%32.99%45.72%63.66%32nd pctl26 / 38
Brokered Deposits / Depositsn/aNot reported for this institution