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Nova

Charlotte, NC · Charter 63425

NCUA · 6 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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

68

Q2 2024Q2 2026peer median

Efficiency

14

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

Nova

Charlotte, NC · Charter 63425

NCUA · 6 branches

Q2 2026

$120.7MAssets
$76.3MLoans
$99.5MShares
$21.3MNet 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 0.36%, up 6 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.56% of loans (-2 bps YoY).
  • Capital: net worth / assets of 17.65%, up 80 bps from a year ago.
  • Funding: loans stand at 76.67% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.36%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+15 bps YoY

Efficiency Ratio (YTD, annualized)

92.83%-11 bps YoY

Net Worth / Assets

17.65%+80 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.38%0.33%0.40%0.36%+6 bps
Return on Equity1.73%2.16%1.92%2.30%2.02%+28 bps
Net Interest Margin3.76%3.92%3.86%3.93%3.91%+15 bps
Efficiency Ratio92.94%91.07%91.04%91.86%92.83%-11 bps
Growth
Asset Growth (YoY)0.83%-1.70%0.31%-0.94%-0.23%-106 bps
Loan Growth (YoY)6.06%4.60%5.96%3.86%0.81%-525 bps
Share Growth (YoY)-0.04%-2.50%-0.97%-1.53%-0.80%-76 bps
Asset Quality
Delinquent Loans / Loans0.58%0.63%0.25%0.42%0.56%-2 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 Capital16.85%17.46%17.05%17.58%17.65%+80 bps
Net Worth / Assets16.85%17.46%17.05%17.58%17.65%+80 bps
Liquidity & Funding
Loans / Shares75.45%77.44%77.03%76.70%76.67%+122 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

Nova

Charlotte, NC · Charter 63425 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 6 branches

Q2 2026

$120.7MAssets
$76.3MLoans
$99.5MShares
$21.3MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 79% of credit unions under $1B in assets (rank 351 of 1683).
  • Widest gap: efficiency ratio trails 86% of credit unions under $1B in assets (rank 1453 of 1682).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.36%

Rank 1,256 of 1,683

Net Interest Margin

3.91%

Rank 754 of 1,683

Efficiency Ratio

92.83%

Rank 1,453 of 1,682

Equity / Assets

17.65%

Rank 351 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.36%0.35%0.74%1.18%Beats 25%1,256 / 1,683
Return on Equity2.02%2.67%5.89%8.74%Beats 20%1,344 / 1,681
Net Interest Margin3.91%3.31%3.82%4.32%Beats 55%754 / 1,683
Efficiency Ratio92.83%68.91%78.20%86.93%Beats 14%1,453 / 1,682
Asset Quality
Nonperforming Loans / Loans0.56%0.26%0.65%1.29%Beats 55%754 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.65%10.44%12.89%16.53%Beats 79%351 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.65%10.44%12.89%16.53%Beats 79%351 / 1,683
Liquidity & Funding
Loans / Deposits76.67%52.61%69.38%83.50%63rd pctl622 / 1,683
Loans / Assets63.18%44.71%59.18%70.72%59th pctl695 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution