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Panama City, FL · Charter 63262

NCUA · 4 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

63

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

37

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

Hello

Panama City, FL · Charter 63262

NCUA · 4 branches

Q2 2026

$159.9MAssets
$100.2MLoans
$135.2MShares
$22.9MNet 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 0.40%, down 10 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.32% of loans (-52 bps YoY).
  • Capital: net worth / assets of 14.35%, up 45 bps from a year ago.
  • Funding: loans stand at 74.14% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.40%-10 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+21 bps YoY

Efficiency Ratio (YTD, annualized)

82.53%+882 bps YoY

Net Worth / Assets

14.35%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.60%0.68%0.34%0.40%-10 bps
Return on Equity3.65%4.23%4.74%2.37%2.82%-83 bps
Net Interest Margin3.82%3.93%4.01%3.94%4.03%+21 bps
Efficiency Ratio73.71%73.86%72.67%83.07%82.53%+882 bps
Growth
Asset Growth (YoY)-4.44%-3.82%-3.62%-1.74%-0.20%+424 bps
Loan Growth (YoY)-4.02%-4.50%-6.33%-5.40%-6.10%-208 bps
Share Growth (YoY)-5.64%-4.87%-4.33%-1.65%0.32%+596 bps
Asset Quality
Delinquent Loans / Loans0.84%0.46%0.58%0.45%0.32%-52 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 Capital13.90%14.23%14.37%14.28%14.35%+45 bps
Net Worth / Assets13.90%14.23%14.37%14.28%14.35%+45 bps
Liquidity & Funding
Loans / Shares79.21%78.43%77.14%74.98%74.14%-507 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

Hello

Panama City, FL · Charter 63262 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 4 branches

Q2 2026

$159.9MAssets
$100.2MLoans
$135.2MShares
$22.9MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 71% of credit unions under $1B in assets (rank 487 of 1682).
  • Widest gap: return on equity trails 74% of credit unions under $1B in assets (rank 1237 of 1681).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.41%

Rank 1,221 of 1,683

Net Interest Margin

4.03%

Rank 649 of 1,683

Efficiency Ratio

82.53%

Rank 1,062 of 1,682

Equity / Assets

14.35%

Rank 617 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.41%0.35%0.74%1.18%Beats 27%1,221 / 1,683
Return on Equity2.82%2.67%5.89%8.74%Beats 26%1,237 / 1,681
Net Interest Margin4.03%3.31%3.82%4.32%Beats 61%649 / 1,683
Efficiency Ratio82.53%68.91%78.20%86.93%Beats 37%1,062 / 1,682
Asset Quality
Nonperforming Loans / Loans0.32%0.26%0.65%1.29%Beats 71%487 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.35%10.44%12.89%16.53%Beats 63%617 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.35%10.44%12.89%16.53%Beats 63%617 / 1,683
Liquidity & Funding
Loans / Deposits74.14%52.61%69.38%83.50%59th pctl691 / 1,683
Loans / Assets62.67%44.71%59.18%70.72%58th pctl710 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution