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Valley Oak

Three Rivers, CA · Charter 64122

NCUA · 4 branches

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 CA3

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 CA (n=62 to 63). 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

2

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

68

Q2 2024Q2 2026peer median

Efficiency

6

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

Valley Oak

Three Rivers, CA · Charter 64122

NCUA · 4 branches

Q2 2026

$82.2MAssets
$58.2MLoans
$74.6MShares
$5.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Financial Results

Return on Assets (YTD, annualized)

-0.03%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+38 bps YoY

Efficiency Ratio (YTD, annualized)

94.93%+450 bps YoY

Net Worth / Assets

6.85%+2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets0.11%0.22%0.21%-0.32%-0.03%-14 bps
Net Interest Margin3.35%3.43%3.47%3.69%3.72%+38 bps
Asset Growth (YoY)5.25%4.24%5.81%-0.29%0.34%-491 bps
Share Growth (YoY)5.90%4.38%6.01%-0.60%-1.91%-781 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Risk-Based Capital6.84%6.96%6.93%6.78%6.85%+2 bps
Loans / Shares68.42%67.61%67.50%71.23%78.08%+966 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

Valley Oak

Three Rivers, CA · Charter 64122 · Peer group: credit unions under $1B in assets in CA (n=62-63)

NCUA · 4 branches

Q2 2026

$82.2MAssets
$58.2MLoans
$74.6MShares
$5.6MNet Worth

Return on Assets

-0.03%

Rank 55 of 63

Net Interest Margin

3.73%

Rank 26 of 63

Efficiency Ratio

94.89%

Rank 60 of 63

Equity / Assets

6.85%

Rank 62 of 63

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Return on Assets-0.03%0.17%0.56%1.17%Beats 13%55 / 63
Net Interest Margin3.73%3.18%3.49%3.98%Beats 59%26 / 63
Nonperforming Loans / Loans0.71%0.17%0.42%0.85%Beats 35%41 / 62
Tier 1 Capital Ratio6.85%8.61%10.56%14.01%Beats 2%62 / 63
Equity / Assets6.85%8.61%10.56%14.01%Beats 2%62 / 63
Loans / Assets70.84%46.35%58.08%72.17%67th pctl21 / 63