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Radio Cab

Portland, OR · Charter 63903

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 Portland-Vancouver-Hillsboro, OR-WA 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 Portland-Vancouver-Hillsboro, OR-WA area (n=20). 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

10

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

5

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 2026-10-10

Radio Cab

Portland, OR · Charter 63903

NCUA · 1 branch

Q2 2026

$3.7MAssets
$1.2MLoans
$2.7MShares
$919KNet 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 -0.12%, down 18 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 2.72% of loans (+163 bps YoY).
  • Capital: net worth / assets of 24.93%, down 85 bps from a year ago.
  • Funding: loans stand at 45.70% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.12%-18 bps YoY

Net Interest Margin (YTD, annualized)

2.48%+47 bps YoY

Efficiency Ratio (YTD, annualized)

104.47%+747 bps YoY

Net Worth / Assets

24.93%-85 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.06%0.06%0.09%-0.10%-0.12%-18 bps
Return on Equity0.23%0.24%0.37%-0.41%-0.47%-70 bps
Net Interest Margin2.00%2.00%2.12%2.51%2.48%+47 bps
Efficiency Ratio97.00%96.99%95.76%103.90%104.47%+747 bps
Growth
Asset Growth (YoY)2.01%2.89%0.69%-0.82%3.43%+142 bps
Loan Growth (YoY)-6.48%15.86%14.59%36.71%55.43%+6,191 bps
Share Growth (YoY)2.38%3.61%0.44%-1.61%3.53%+115 bps
Asset Quality
Delinquent Loans / Loans1.09%0.81%2.09%1.46%2.72%+163 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.17%3.72%3.51%3.12%3.06%-11 bps
Capital
Risk-Based Capital25.78%25.45%25.45%25.71%24.93%-85 bps
Net Worth / Assets25.78%25.45%25.45%25.71%24.93%-85 bps
Liquidity & Funding
Loans / Shares30.44%35.57%37.72%42.47%45.70%+1,526 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 2026-10-10

Radio Cab

Portland, OR · Charter 63903 · Peer group: credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=20)

NCUA · 1 branch

Q2 2026

$3.7MAssets
$1.2MLoans
$2.7MShares
$919KNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 95% of credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (rank 1 of 20).
  • Widest gap: net interest margin trails 100% of credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (rank 20 of 20).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

-0.11%

Rank 17 of 20

Net Interest Margin

2.44%

Rank 20 of 20

Efficiency Ratio

106.25%

Rank 20 of 20

Equity / Assets

24.92%

Rank 1 of 20

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.11%0.06%0.60%1.13%Beats 15%17 / 20
Return on Equity-0.44%0.46%4.53%6.81%Beats 15%17 / 20
Net Interest Margin2.44%3.68%4.11%4.53%Beats 0%20 / 20
Efficiency Ratio106.25%73.06%81.99%96.42%Beats 5%20 / 20
Asset Quality
Nonperforming Loans / Loans2.73%0.78%1.02%2.15%Beats 10%19 / 20
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio24.92%10.29%14.61%16.23%Beats 95%1 / 20
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets24.92%10.29%14.61%16.23%Beats 95%1 / 20
Liquidity & Funding
Loans / Deposits45.71%71.61%80.41%86.01%5th pctl19 / 20
Loans / Assets33.81%60.98%70.81%74.91%5th pctl19 / 20
Brokered Deposits / Depositsn/aNot reported for this institution