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C E S

Mount Vernon, OH · Charter 62352

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 assets3

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 (n=1,681 to 1,683). 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

52

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

96

Q2 2024Q2 2026peer median

Efficiency

84

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

C E S

Mount Vernon, OH · Charter 62352

NCUA · 6 branches

Q2 2026

$244.3MAssets
$143.8MLoans
$210.7MShares
$32.0MNet 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 1.84%, up 30 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.16% of loans (+3 bps YoY).
  • Capital: net worth / assets of 13.10%, up 121 bps from a year ago.
  • Funding: loans stand at 68.26% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.84%+30 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+30 bps YoY

Efficiency Ratio (YTD, annualized)

63.92%-416 bps YoY

Net Worth / Assets

13.10%+121 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%1.59%1.62%1.73%1.84%+30 bps
Return on Equity12.96%12.83%12.84%13.51%14.05%+109 bps
Net Interest Margin3.73%3.85%3.85%3.99%4.03%+30 bps
Efficiency Ratio68.09%68.14%67.35%65.24%63.92%-416 bps
Growth
Asset Growth (YoY)7.31%8.00%5.40%4.96%4.45%-286 bps
Loan Growth (YoY)3.53%6.34%9.56%13.27%13.84%+1,031 bps
Share Growth (YoY)6.00%6.86%3.61%3.48%3.01%-299 bps
Asset Quality
Delinquent Loans / Loans0.12%0.10%0.30%0.15%0.16%+3 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 Capital11.89%12.41%12.66%12.83%13.10%+121 bps
Net Worth / Assets11.89%12.41%12.66%12.83%13.10%+121 bps
Liquidity & Funding
Loans / Shares61.76%64.41%64.86%66.40%68.26%+649 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

C E S

Mount Vernon, OH · Charter 62352 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 6 branches

Q2 2026

$244.3MAssets
$143.8MLoans
$210.7MShares
$32.0MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 96% of credit unions under $1B in assets (rank 69 of 1681).
  • Widest gap: equity / assets trails 48% of credit unions under $1B in assets (rank 801 of 1683).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.84%

Rank 108 of 1,683

Net Interest Margin

4.03%

Rank 646 of 1,683

Efficiency Ratio

63.94%

Rank 265 of 1,682

Equity / Assets

13.10%

Rank 801 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.84%0.35%0.74%1.18%Beats 94%108 / 1,683
Return on Equity14.05%2.67%5.89%8.74%Beats 96%69 / 1,681
Net Interest Margin4.03%3.31%3.82%4.32%Beats 62%646 / 1,683
Efficiency Ratio63.94%68.91%78.20%86.93%Beats 84%265 / 1,682
Asset Quality
Nonperforming Loans / Loans0.16%0.26%0.65%1.29%Beats 82%303 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.10%10.44%12.89%16.53%Beats 52%801 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.10%10.44%12.89%16.53%Beats 52%801 / 1,683
Liquidity & Funding
Loans / Deposits68.26%52.61%69.38%83.50%48th pctl868 / 1,683
Loans / Assets58.87%44.71%59.18%70.72%49th pctl854 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution