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A.S.H. Employees

Anna, IL · Charter 64967

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 Indianapolis-Carmel-Greenwood, IN 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 Indianapolis-Carmel-Greenwood, IN area (n=17). 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

76

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

71

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

A.S.H. Employees

Anna, IL · Charter 64967

NCUA · 1 branch

Q2 2026

$5.6MAssets
$4.3MLoans
$4.5MShares
$1.1MNet 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 1.30%, down 7 bps year over year; NIM at 5.44%.
  • Asset quality: problem loans at 0.43% of loans (+13 bps YoY).
  • Capital: net worth / assets of 19.83%, up 105 bps from a year ago.
  • Funding: loans stand at 97.40% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.30%-7 bps YoY

Net Interest Margin (YTD, annualized)

5.44%-17 bps YoY

Efficiency Ratio (YTD, annualized)

76.70%+46 bps YoY

Net Worth / Assets

19.83%+105 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.60%1.89%0.95%1.30%-7 bps
Return on Equity7.33%8.43%9.20%4.88%6.57%-76 bps
Net Interest Margin5.61%5.65%6.21%4.96%5.44%-17 bps
Efficiency Ratio76.24%72.59%70.42%81.33%76.70%+46 bps
Growth
Asset Growth (YoY)3.19%3.78%1.82%2.67%3.88%+69 bps
Loan Growth (YoY)0.57%11.26%12.70%6.30%2.16%+159 bps
Share Growth (YoY)1.79%2.40%-0.27%1.08%2.53%+74 bps
Asset Quality
Delinquent Loans / Loans0.30%0.34%0.23%0.07%0.43%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.21%2.16%2.33%2.38%2.46%+25 bps
Capital
Risk-Based Capital18.78%18.95%20.54%19.56%19.83%+105 bps
Net Worth / Assets18.78%18.95%20.54%19.56%19.83%+105 bps
Liquidity & Funding
Loans / Shares97.75%97.96%104.23%94.97%97.40%-35 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

A.S.H. Employees

Anna, IL · Charter 64967 · Peer group: credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (n=17)

NCUA · 1 branch

Q2 2026

$5.6MAssets
$4.3MLoans
$4.5MShares
$1.1MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 82% of credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (rank 3 of 17).
  • Widest gap: nonperforming loans / loans trails 41% of credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (rank 8 of 17).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.29%

Rank 4 of 17

Net Interest Margin

5.44%

Rank 3 of 17

Efficiency Ratio

76.92%

Rank 6 of 17

Equity / Assets

19.82%

Rank 4 of 17

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.29%0.19%0.64%1.29%Beats 76%4 / 17
Return on Equity6.50%1.18%4.37%6.83%Beats 65%6 / 17
Net Interest Margin5.44%3.90%4.45%5.14%Beats 82%3 / 17
Efficiency Ratio76.92%70.94%82.19%89.67%Beats 71%6 / 17
Asset Quality
Nonperforming Loans / Loans0.44%0.25%0.67%1.07%Beats 59%8 / 17
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio19.82%11.07%13.23%17.96%Beats 76%4 / 17
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets19.82%11.07%13.23%17.96%Beats 76%4 / 17
Liquidity & Funding
Loans / Deposits97.40%50.73%68.00%82.61%88th pctl2 / 17
Loans / Assets77.76%39.57%58.53%70.18%82nd pctl3 / 17
Brokered Deposits / Depositsn/aNot reported for this institution