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Scott Associates

Marysville, OH · Charter 63386

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 assets in the Columbus, OH area3

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 in the Columbus, OH area (n=18). 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

19

Q2 2024Q2 2026peer median

Efficiency

17

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

Scott Associates

Marysville, OH · Charter 63386

NCUA · 1 branch

Q2 2026

$15.1MAssets
$10.6MLoans
$13.3MShares
$1.7MNet 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 0.10%, down 3 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 1.18% of loans (+79 bps YoY).
  • Capital: net worth / assets of 11.57%, down 35 bps from a year ago.
  • Funding: loans stand at 79.50% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.10%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.77%+21 bps YoY

Efficiency Ratio (YTD, annualized)

87.84%+258 bps YoY

Net Worth / Assets

11.57%-35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%0.35%0.30%0.08%0.10%-3 bps
Return on Equity1.06%2.90%2.69%0.72%0.86%-20 bps
Net Interest Margin3.57%3.67%3.49%3.56%3.77%+21 bps
Efficiency Ratio85.26%83.77%87.45%87.49%87.84%+258 bps
Growth
Asset Growth (YoY)-1.19%3.96%13.91%12.61%3.97%+516 bps
Loan Growth (YoY)5.47%16.55%34.81%28.63%20.64%+1,517 bps
Share Growth (YoY)-2.09%3.65%13.64%14.18%4.42%+651 bps
Asset Quality
Delinquent Loans / Loans0.39%0.98%0.76%0.33%1.18%+79 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 Capital11.93%12.18%11.20%11.08%11.57%-35 bps
Net Worth / Assets11.93%12.18%11.20%11.08%11.57%-35 bps
Liquidity & Funding
Loans / Shares68.81%75.35%83.67%76.42%79.50%+1,069 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

Scott Associates

Marysville, OH · Charter 63386 · Peer group: credit unions under $1B in assets in the Columbus, OH area (n=18)

NCUA · 1 branch

Q2 2026

$15.1MAssets
$10.6MLoans
$13.3MShares
$1.7MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 67% of credit unions under $1B in assets in the Columbus, OH area (rank 6 of 18).
  • Widest gap: return on equity trails 94% of credit unions under $1B in assets in the Columbus, OH area (rank 17 of 18).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.11%

Rank 17 of 18

Net Interest Margin

3.77%

Rank 6 of 18

Efficiency Ratio

88.01%

Rank 16 of 18

Equity / Assets

11.58%

Rank 6 of 18

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.11%0.59%0.76%0.99%Beats 6%17 / 18
Return on Equity0.92%4.13%7.59%9.05%Beats 6%17 / 18
Net Interest Margin3.77%3.24%3.56%3.79%Beats 67%6 / 18
Efficiency Ratio88.01%72.20%76.10%84.19%Beats 17%16 / 18
Asset Quality
Nonperforming Loans / Loans1.18%0.37%0.66%1.08%Beats 22%15 / 18
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.58%9.66%10.67%11.63%Beats 67%6 / 18
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.58%9.66%10.67%11.63%Beats 67%6 / 18
Liquidity & Funding
Loans / Deposits79.50%47.40%66.89%76.69%78th pctl4 / 18
Loans / Assets70.15%43.35%60.60%69.11%78th pctl4 / 18
Brokered Deposits / Depositsn/aNot reported for this institution