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Unite

Cedar Falls, IA · Charter 65071

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 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

39

Q2 2024Q2 2026peer median (50)

Asset Quality

6

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

35

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

Unite

Cedar Falls, IA · Charter 65071

NCUA · 1 branch

Q2 2026

$23.6MAssets
$10.2MLoans
$20.6MShares
$2.8MNet Worth

Return on Assets (YTD, annualized)

-0.23%+50 bps YoY

Net Interest Margin (YTD, annualized)

3.43%-21 bps YoY

Efficiency Ratio (YTD, annualized)

103.97%-321 bps YoY

Net Worth / Assets

11.82%-6 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets0.50%-0.07%-0.99%-0.72%0.81%0.44%-1.31%-0.23%+50 bps
Net Interest Margin4.18%3.98%3.50%3.64%3.70%3.61%3.41%3.43%-21 bps
Asset Growth (YoY)-11.71%-5.26%-1.14%1.57%4.53%5.21%5.69%6.16%+459 bps
Share Growth (YoY)-13.06%-5.75%-0.14%2.75%4.73%5.41%5.64%5.54%+279 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital13.37%12.61%11.99%11.88%12.96%12.40%11.66%11.82%-6 bps
Loans / Shares41.80%40.33%43.92%44.60%46.71%49.06%48.49%49.54%+494 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

Unite

Cedar Falls, IA · Charter 65071 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$23.6MAssets
$10.2MLoans
$20.6MShares
$2.8MNet Worth

Return on Assets

-0.23%

Rank 1,542 of 1,683

Net Interest Margin

3.43%

Rank 1,179 of 1,683

Efficiency Ratio

104.06%

Rank 1,584 of 1,682

Equity / Assets

11.82%

Rank 1,025 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets-0.23%0.35%0.74%1.18%Beats 8%1,542 / 1,683
Net Interest Margin3.43%3.31%3.82%4.32%Beats 30%1,179 / 1,683
Nonperforming Loans / Loans3.42%0.26%0.65%1.29%Beats 6%1,576 / 1,682
Tier 1 Capital Ratio11.82%10.44%12.89%16.53%Beats 39%1,025 / 1,683
Equity / Assets11.82%10.44%12.89%16.53%Beats 39%1,025 / 1,683
Loans / Assets43.29%44.71%59.18%70.72%24th pctl1,286 / 1,683