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Civic Central

Jefferson City, MO · Charter 62598

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 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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

93

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

Civic Central

Jefferson City, MO · Charter 62598

NCUA · 1 branch

Q2 2026

$105.0MAssets
$46.9MLoans
$91.7MShares
$14.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.28%, up 12 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.48% of loans (+10 bps YoY).
  • Capital: net worth / assets of 13.84%, up 45 bps from a year ago.
  • Funding: loans stand at 51.11% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.28%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.03%+38 bps YoY

Efficiency Ratio (YTD, annualized)

55.81%-272 bps YoY

Net Worth / Assets

13.84%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.18%0.96%1.16%1.19%1.33%1.12%1.28%+12 bps
Return on Equity8.54%8.65%7.18%8.69%8.80%9.59%8.07%9.24%+55 bps
Net Interest Margin2.64%2.66%2.58%2.65%2.71%2.81%3.07%3.03%+38 bps
Efficiency Ratio59.76%59.31%60.64%58.53%57.76%54.98%60.03%55.81%-272 bps
Growth
Asset Growth (YoY)6.32%6.04%7.72%9.03%8.52%8.93%7.25%7.17%-186 bps
Loan Growth (YoY)-1.27%-1.98%-3.24%-2.96%2.18%20.93%21.34%23.41%+2,636 bps
Share Growth (YoY)2.97%4.44%5.99%7.19%7.55%7.21%5.81%6.11%-108 bps
Asset Quality
Delinquent Loans / Loans0.33%0.43%0.34%0.39%0.47%0.45%0.38%0.48%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.35%13.67%13.38%13.38%13.47%13.86%13.81%13.84%+45 bps
Net Worth / Assets13.35%13.67%13.38%13.38%13.47%13.86%13.81%13.84%+45 bps
Liquidity & Funding
Loans / Shares47.78%47.31%44.57%43.95%45.39%53.36%51.12%51.11%+716 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%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

Civic Central

Jefferson City, MO · Charter 62598 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$105.0MAssets
$46.9MLoans
$91.7MShares
$14.5MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 93% of credit unions under $1B in assets (rank 125 of 1682).
  • Widest gap: net interest margin trails 85% of credit unions under $1B in assets (rank 1435 of 1683).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.28%

Rank 361 of 1,683

Net Interest Margin

3.03%

Rank 1,435 of 1,683

Efficiency Ratio

55.79%

Rank 125 of 1,682

Equity / Assets

13.84%

Rank 696 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.28%0.35%0.74%1.18%Beats 79%361 / 1,683
Return on Equity9.24%2.67%5.89%8.74%Beats 79%360 / 1,681
Net Interest Margin3.03%3.31%3.82%4.32%Beats 15%1,435 / 1,683
Efficiency Ratio55.79%68.91%78.20%86.93%Beats 93%125 / 1,682
Asset Quality
Nonperforming Loans / Loans0.48%0.26%0.65%1.29%Beats 61%663 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.84%10.44%12.89%16.53%Beats 59%696 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.84%10.44%12.89%16.53%Beats 59%696 / 1,683
Liquidity & Funding
Loans / Deposits51.12%52.61%69.38%83.50%23rd pctl1,297 / 1,683
Loans / Assets44.61%44.71%59.18%70.72%25th pctl1,265 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution