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Members First Community

Quincy, IL · Charter 63368

NCUA · 2 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

95

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

76

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

Members First Community

Quincy, IL · Charter 63368

NCUA · 2 branches

Q2 2026

$111.6MAssets
$79.0MLoans
$82.4MShares
$28.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.74%, down 43 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 0.03% of loans (-1 bps YoY).
  • Capital: net worth / assets of 25.42%, down 72 bps from a year ago.
  • Funding: loans stand at 95.80% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.74%-43 bps YoY

Net Interest Margin (YTD, annualized)

4.09%-32 bps YoY

Efficiency Ratio (YTD, annualized)

68.53%+340 bps YoY

Net Worth / Assets

25.42%-72 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.13%1.90%2.09%2.16%2.14%1.91%2.46%1.74%-43 bps
Return on Equity11.34%7.22%8.22%8.28%8.19%7.33%9.76%6.83%-144 bps
Net Interest Margin4.97%4.81%4.39%4.41%4.36%4.29%4.11%4.09%-32 bps
Efficiency Ratio58.74%69.49%65.73%65.12%65.16%64.84%63.45%68.53%+340 bps
Growth
Asset Growth (YoY)4.39%6.22%8.22%9.04%10.69%9.67%9.89%10.94%+190 bps
Loan Growth (YoY)3.84%3.37%3.61%4.84%5.65%5.41%5.38%4.49%-35 bps
Share Growth (YoY)2.05%6.11%9.94%11.11%12.72%10.34%10.28%12.17%+105 bps
Asset Quality
Delinquent Loans / Loans0.38%0.33%0.04%0.04%0.14%0.14%0.10%0.03%-1 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 Capital27.56%26.37%25.41%26.14%26.15%26.13%25.22%25.42%-72 bps
Net Worth / Assets27.56%26.37%25.41%26.14%26.15%26.13%25.22%25.42%-72 bps
Liquidity & Funding
Loans / Shares109.27%105.80%98.08%102.84%102.42%101.07%93.72%95.80%-704 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

Members First Community

Quincy, IL · Charter 63368 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 2 branches

Q2 2026

$111.6MAssets
$79.0MLoans
$82.4MShares
$28.4MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 95% of credit unions under $1B in assets (rank 92 of 1683).
  • Widest gap: return on equity trails 41% of credit unions under $1B in assets (rank 685 of 1681).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.74%

Rank 151 of 1,683

Net Interest Margin

4.09%

Rank 600 of 1,683

Efficiency Ratio

68.53%

Rank 408 of 1,682

Equity / Assets

25.42%

Rank 92 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.74%0.35%0.74%1.18%Beats 91%151 / 1,683
Return on Equity6.83%2.67%5.89%8.74%Beats 59%685 / 1,681
Net Interest Margin4.09%3.31%3.82%4.32%Beats 64%600 / 1,683
Efficiency Ratio68.53%68.91%78.20%86.93%Beats 76%408 / 1,682
Asset Quality
Nonperforming Loans / Loans0.03%0.26%0.65%1.29%Beats 90%161 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio25.42%10.44%12.89%16.53%Beats 95%92 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets25.42%10.44%12.89%16.53%Beats 95%92 / 1,683
Liquidity & Funding
Loans / Deposits95.80%52.61%69.38%83.50%94th pctl101 / 1,683
Loans / Assets70.74%44.71%59.18%70.72%75th pctl419 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution