PackageTrendsPeer
Letter portraitLegal landscape

Dow Great Western

Antioch, CA · Charter 64503

NCUA · 2 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 the San Francisco-Oakland-Fremont, CA 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 San Francisco-Oakland-Fremont, CA area (n=22). 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

0

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

9

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

Dow Great Western

Antioch, CA · Charter 64503

NCUA · 2 branches

Q2 2026

$48.2MAssets
$21.4MLoans
$45.2MShares
$3.8MNet 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)

-1.38%-118 bps YoY

Net Interest Margin (YTD, annualized)

2.63%-70 bps YoY

Efficiency Ratio (YTD, annualized)

119.05%+2,939 bps YoY

Net Worth / Assets

7.84%-163 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets-0.21%-0.94%-0.92%-0.86%-1.38%-118 bps
Net Interest Margin3.34%2.04%2.45%2.66%2.63%-70 bps
Asset Growth (YoY)-1.68%-0.92%2.39%2.12%0.89%+258 bps
Share Growth (YoY)-2.34%-0.30%2.97%3.63%2.40%+474 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Risk-Based Capital9.47%8.88%8.49%8.31%7.84%-163 bps
Loans / Shares46.95%45.66%42.77%49.58%47.47%+52 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

Dow Great Western

Antioch, CA · Charter 64503 · Peer group: credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22)

NCUA · 2 branches

Q2 2026

$48.2MAssets
$21.4MLoans
$45.2MShares
$3.8MNet Worth

Return on Assets

-1.38%

Rank 21 of 22

Net Interest Margin

2.64%

Rank 17 of 22

Efficiency Ratio

118.90%

Rank 21 of 22

Equity / Assets

7.84%

Rank 22 of 22

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Return on Assets-1.38%-0.03%0.55%0.99%Beats 5%21 / 22
Net Interest Margin2.64%2.64%3.38%3.88%Beats 23%17 / 22
Nonperforming Loans / Loans0.63%0.03%0.56%1.15%Beats 41%14 / 22
Tier 1 Capital Ratio7.84%10.74%12.65%15.23%Beats 0%22 / 22
Equity / Assets7.84%10.74%12.65%15.23%Beats 0%22 / 22
Loans / Assets44.49%34.22%45.72%53.73%45th pctl12 / 22