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The Way

New Knoxville, OH · Charter 66066

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 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

11

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

39

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

The Way

New Knoxville, OH · Charter 66066

NCUA · 2 branches

Q2 2026

$15.4MAssets
$0KLoans
$14.0MShares
$1.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.70%, up 31 bps year over year; NIM at 2.37%.
  • Capital: net worth / assets of 9.01%, up 4 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.70%+31 bps YoY

Net Interest Margin (YTD, annualized)

2.37%+17 bps YoY

Efficiency Ratio (YTD, annualized)

70.60%-1,178 bps YoY

Net Worth / Assets

9.01%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.19%0.35%0.39%0.53%0.36%0.62%0.70%+31 bps
Return on Equity5.03%2.12%3.87%4.35%5.97%4.24%7.09%7.79%+344 bps
Net Interest Margin2.18%2.09%2.17%2.20%2.25%2.05%2.32%2.37%+17 bps
Efficiency Ratio79.17%90.94%83.94%82.38%76.42%82.44%73.65%70.60%-1,178 bps
Growth
Asset Growth (YoY)-2.70%0.60%0.98%2.31%4.82%10.65%9.47%5.65%+334 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Share Growth (YoY)-3.18%0.44%0.87%2.35%5.02%11.27%9.88%5.60%+326 bps
Asset Quality
Delinquent Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Capital
Risk-Based Capital9.13%9.05%9.04%8.96%8.96%8.54%8.70%9.01%+4 bps
Net Worth / Assets9.13%9.05%9.04%8.96%8.96%8.54%8.70%9.01%+4 bps
Liquidity & Funding
Loans / Shares0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%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

The Way

New Knoxville, OH · Charter 66066 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 2 branches

Q2 2026

$15.4MAssets
$0KLoans
$14.0MShares
$1.4MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 71% of credit unions under $1B in assets (rank 485 of 1682).
  • Widest gap: net interest margin trails 97% of credit unions under $1B in assets (rank 1632 of 1683).
  • Overall: at or above the peer median on 2 of 6 directional measures.

Return on Assets

0.70%

Rank 885 of 1,683

Net Interest Margin

2.38%

Rank 1,632 of 1,683

Efficiency Ratio

70.65%

Rank 485 of 1,682

Equity / Assets

9.01%

Rank 1,506 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.70%0.35%0.74%1.18%Beats 47%885 / 1,683
Return on Equity7.79%2.67%5.89%8.74%Beats 68%541 / 1,681
Net Interest Margin2.38%3.31%3.82%4.32%Beats 3%1,632 / 1,683
Efficiency Ratio70.65%68.91%78.20%86.93%Beats 71%485 / 1,682
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.01%10.44%12.89%16.53%Beats 11%1,506 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.01%10.44%12.89%16.53%Beats 11%1,506 / 1,683
Liquidity & Funding
Loans / Deposits0.00%52.61%69.38%83.50%0th pctl1,683 / 1,683
Loans / Assets0.00%44.71%59.18%70.72%0th pctl1,683 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution