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Westacres

West Bloomfield, MI · Charter 62316

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 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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

7

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

14

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

Westacres

West Bloomfield, MI · Charter 62316

NCUA · 1 branch

Q2 2026

$7.1MAssets
$1.1MLoans
$6.0MShares
$954KNet 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 0.28%, down 66 bps year over year; NIM at 1.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.47%, down 45 bps from a year ago.
  • Funding: loans stand at 19.01% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.28%-66 bps YoY

Net Interest Margin (YTD, annualized)

1.64%-64 bps YoY

Efficiency Ratio (YTD, annualized)

82.92%+2,395 bps YoY

Net Worth / Assets

13.47%-45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.98%0.16%0.36%0.28%-66 bps
Return on Equity6.72%7.02%1.20%2.60%2.08%-464 bps
Net Interest Margin2.28%2.28%1.94%1.77%1.64%-64 bps
Efficiency Ratio58.96%57.04%91.56%79.91%82.92%+2,395 bps
Growth
Asset Growth (YoY)-1.64%1.72%-1.10%-0.60%2.16%+380 bps
Loan Growth (YoY)-11.33%-7.17%-14.35%-3.45%-8.18%+315 bps
Share Growth (YoY)-2.45%1.25%-2.09%-1.31%2.06%+451 bps
Asset Quality
Delinquent Loans / Loans0.00%1.91%0.00%0.00%0.00%0 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 Capital13.93%13.96%13.64%13.69%13.47%-45 bps
Net Worth / Assets13.93%13.96%13.64%13.69%13.47%-45 bps
Liquidity & Funding
Loans / Shares21.13%23.07%19.80%20.85%19.01%-212 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

Westacres

West Bloomfield, MI · Charter 62316 · Peer group: credit unions under $1B in assets in MI (n=56)

NCUA · 1 branch

Q2 2026

$7.1MAssets
$1.1MLoans
$6.0MShares
$954KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in MI (rank 1 of 56).
  • Widest gap: net interest margin trails 100% of credit unions under $1B in assets in MI (rank 56 of 56).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.28%

Rank 50 of 56

Net Interest Margin

1.64%

Rank 56 of 56

Efficiency Ratio

82.76%

Rank 49 of 56

Equity / Assets

13.47%

Rank 22 of 56

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.28%0.74%1.15%1.47%Beats 11%50 / 56
Return on Equity2.10%6.40%9.29%11.51%Beats 11%50 / 56
Net Interest Margin1.64%3.40%3.92%4.36%Beats 0%56 / 56
Efficiency Ratio82.76%65.99%72.16%78.25%Beats 14%49 / 56
Asset Quality
Nonperforming Loans / Loans0.00%0.49%0.84%1.28%Beats 100%1 / 56
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.47%10.20%12.14%14.32%Beats 61%22 / 56
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.47%10.20%12.14%14.32%Beats 61%22 / 56
Liquidity & Funding
Loans / Deposits19.01%52.28%65.96%76.17%0th pctl56 / 56
Loans / Assets16.13%45.34%56.55%67.04%0th pctl56 / 56
Brokered Deposits / Depositsn/aNot reported for this institution