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Atomic

Piketon, OH · Charter 63532

NCUA · 18 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

5

Q2 2024Q2 2026peer median (50)

Asset Quality

77

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

46

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

Atomic

Piketon, OH · Charter 63532

NCUA · 18 branches

Q2 2026

$855.4MAssets
$714.4MLoans
$776.0MShares
$70.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.85%, down 4 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.24% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.27%, up 12 bps from a year ago.
  • Funding: loans stand at 92.06% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.85%-4 bps YoY

Net Interest Margin (YTD, annualized)

4.23%-4 bps YoY

Efficiency Ratio (YTD, annualized)

79.63%-94 bps YoY

Net Worth / Assets

8.27%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.78%0.75%0.89%0.92%0.97%0.76%0.85%-4 bps
Return on Equity8.31%9.50%9.27%10.89%11.17%11.79%9.36%10.25%-64 bps
Net Interest Margin3.66%3.83%4.26%4.27%4.29%4.21%4.18%4.23%-4 bps
Efficiency Ratio83.30%81.39%83.46%80.57%80.31%79.19%81.59%79.63%-94 bps
Growth
Asset Growth (YoY)17.28%13.76%13.61%11.83%7.27%12.86%13.13%11.35%-48 bps
Loan Growth (YoY)22.31%19.18%11.73%7.64%8.88%9.84%12.18%12.04%+440 bps
Share Growth (YoY)19.94%14.04%14.02%13.66%6.66%12.91%13.03%11.12%-254 bps
Asset Quality
Delinquent Loans / Loans0.19%0.23%0.25%0.23%0.24%0.24%0.24%0.24%0 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 Capital7.81%8.19%8.09%8.15%8.25%8.22%8.11%8.27%+12 bps
Net Worth / Assets7.81%8.19%8.09%8.15%8.25%8.22%8.11%8.27%+12 bps
Liquidity & Funding
Loans / Shares90.93%93.67%89.92%91.30%92.83%91.12%89.25%92.06%+76 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

Atomic

Piketon, OH · Charter 63532 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 18 branches

Q2 2026

$855.4MAssets
$714.4MLoans
$776.0MShares
$70.8MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 84% of credit unions under $1B in assets (rank 265 of 1681).
  • Widest gap: equity / assets trails 95% of credit unions under $1B in assets (rank 1602 of 1683).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.85%

Rank 735 of 1,683

Net Interest Margin

4.23%

Rank 479 of 1,683

Efficiency Ratio

79.63%

Rank 916 of 1,682

Equity / Assets

8.27%

Rank 1,602 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.85%0.35%0.74%1.18%Beats 56%735 / 1,683
Return on Equity10.26%2.67%5.89%8.74%Beats 84%265 / 1,681
Net Interest Margin4.23%3.31%3.82%4.32%Beats 72%479 / 1,683
Efficiency Ratio79.63%68.91%78.20%86.93%Beats 46%916 / 1,682
Asset Quality
Nonperforming Loans / Loans0.24%0.26%0.65%1.29%Beats 77%386 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio8.27%10.44%12.89%16.53%Beats 5%1,602 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets8.27%10.44%12.89%16.53%Beats 5%1,602 / 1,683
Liquidity & Funding
Loans / Deposits92.06%52.61%69.38%83.50%90th pctl171 / 1,683
Loans / Assets83.51%44.71%59.18%70.72%96th pctl68 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution