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Healthcare Associates

Lisle, IL · Charter 65421

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 the Chicago-Naperville-Elgin, IL-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 Chicago-Naperville-Elgin, IL-IN area (n=93 to 96). 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

45

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

56

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

Healthcare Associates

Lisle, IL · Charter 65421

NCUA · 4 branches

Q2 2026

$481.6MAssets
$343.2MLoans
$403.6MShares
$70.0MNet 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)

0.45%-17 bps YoY

Net Interest Margin (YTD, annualized)

3.44%+5 bps YoY

Efficiency Ratio (YTD, annualized)

78.10%+42 bps YoY

Net Worth / Assets

14.53%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets0.62%0.62%0.54%0.44%0.45%-17 bps
Net Interest Margin3.39%3.43%3.42%3.35%3.44%+5 bps
Asset Growth (YoY)4.34%1.34%3.15%2.42%1.29%-305 bps
Share Growth (YoY)3.91%-0.54%0.55%1.46%0.74%-317 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Risk-Based Capital14.27%14.49%14.37%14.27%14.53%+26 bps
Loans / Shares84.36%86.53%84.75%83.08%85.04%+68 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

Healthcare Associates

Lisle, IL · Charter 65421 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)

NCUA · 4 branches

Q2 2026

$481.6MAssets
$343.2MLoans
$403.6MShares
$70.0MNet Worth

Return on Assets

0.45%

Rank 47 of 96

Net Interest Margin

3.44%

Rank 54 of 96

Efficiency Ratio

78.10%

Rank 43 of 96

Equity / Assets

14.53%

Rank 53 of 96

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Return on Assets0.45%-0.02%0.42%1.03%Beats 51%47 / 96
Net Interest Margin3.44%3.01%3.57%4.27%Beats 44%54 / 96
Nonperforming Loans / Loans1.16%0.08%0.86%1.63%Beats 40%57 / 93
Tier 1 Capital Ratio14.53%11.79%15.23%18.93%Beats 45%53 / 96
Equity / Assets14.53%11.79%15.23%18.93%Beats 45%53 / 96
Loans / Assets71.25%23.12%42.50%56.24%91st pctl9 / 96