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802 Credit Union

Barre, VT · Charter 62983

NCUA · 9 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

46

Q2 2024Q2 2026peer median (50)

Asset Quality

21

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

61

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

802 Credit Union

Barre, VT · Charter 62983

NCUA · 9 branches

Q2 2026

$507.7MAssets
$389.2MLoans
$440.1MShares
$63.7MNet 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 1.14%, down 39 bps year over year; NIM at 4.85%.
  • Asset quality: problem loans at 1.50% of loans (+59 bps YoY).
  • Capital: net worth / assets of 12.54%, up 29 bps from a year ago.
  • Funding: loans stand at 88.43% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%-39 bps YoY

Net Interest Margin (YTD, annualized)

4.85%-18 bps YoY

Efficiency Ratio (YTD, annualized)

74.58%+441 bps YoY

Net Worth / Assets

12.54%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.53%1.48%1.16%1.19%1.14%-39 bps
Return on Equity12.46%11.83%9.42%9.55%9.07%-339 bps
Net Interest Margin5.03%5.04%4.55%4.93%4.85%-18 bps
Efficiency Ratio70.17%71.20%72.98%74.59%74.58%+441 bps
Growth
Asset Growth (YoY)6.34%6.99%18.09%17.40%18.60%+1,226 bps
Loan Growth (YoY)10.06%10.44%21.70%21.50%20.91%+1,084 bps
Share Growth (YoY)5.10%6.22%17.51%16.85%18.38%+1,328 bps
Asset Quality
Delinquent Loans / Loans0.91%0.96%1.05%1.26%1.50%+59 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 Capital12.25%12.50%12.36%12.45%12.54%+29 bps
Net Worth / Assets12.25%12.50%12.36%12.45%12.54%+29 bps
Liquidity & Funding
Loans / Shares86.58%89.04%87.98%87.16%88.43%+185 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

802 Credit Union

Barre, VT · Charter 62983 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 9 branches

Q2 2026

$507.7MAssets
$389.2MLoans
$440.1MShares
$63.7MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 89% of credit unions under $1B in assets (rank 188 of 1683).
  • Widest gap: nonperforming loans / loans trails 79% of credit unions under $1B in assets (rank 1323 of 1682).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.14%

Rank 466 of 1,683

Net Interest Margin

4.85%

Rank 188 of 1,683

Efficiency Ratio

74.58%

Rank 658 of 1,682

Equity / Assets

12.54%

Rank 904 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%0.35%0.74%1.18%Beats 72%466 / 1,683
Return on Equity9.07%2.67%5.89%8.74%Beats 77%385 / 1,681
Net Interest Margin4.85%3.31%3.82%4.32%Beats 89%188 / 1,683
Efficiency Ratio74.58%68.91%78.20%86.93%Beats 61%658 / 1,682
Asset Quality
Nonperforming Loans / Loans1.50%0.26%0.65%1.29%Beats 21%1,323 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.54%10.44%12.89%16.53%Beats 46%904 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.54%10.44%12.89%16.53%Beats 46%904 / 1,683
Liquidity & Funding
Loans / Deposits88.43%52.61%69.38%83.50%84th pctl273 / 1,683
Loans / Assets76.66%44.71%59.18%70.72%87th pctl225 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution