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Walled Lake Schools

Wolverine Lake, MI · Charter 6613

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 Detroit-Warren-Dearborn, MI 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 Detroit-Warren-Dearborn, MI area (n=38). 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

63

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

1

Q2 2024Q2 2026peer median

Efficiency

87

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

Walled Lake Schools

Wolverine Lake, MI · Charter 6613

NCUA · 2 branches

Q2 2026

$138.4MAssets
$31.0MLoans
$119.0MShares
$20.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.37%, up 61 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 1.50% of loans (+105 bps YoY).
  • Capital: net worth / assets of 14.58%, up 116 bps from a year ago.
  • Funding: loans stand at 26.03% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.37%+61 bps YoY

Net Interest Margin (YTD, annualized)

3.52%+48 bps YoY

Efficiency Ratio (YTD, annualized)

65.91%-1,061 bps YoY

Net Worth / Assets

14.58%+116 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.09%0.43%0.75%0.15%1.23%0.95%1.37%+61 bps
Return on Equity8.01%8.14%3.20%5.62%1.11%8.77%6.64%9.38%+377 bps
Net Interest Margin2.78%2.86%2.98%3.04%0.40%3.19%3.46%3.52%+48 bps
Efficiency Ratio68.82%67.19%85.66%76.52%61.07%67.13%74.47%65.91%-1,061 bps
Growth
Asset Growth (YoY)2.26%-0.73%-1.99%-1.21%0.23%4.02%2.51%1.71%+291 bps
Loan Growth (YoY)3.55%1.39%-1.26%-0.77%-5.22%-6.83%-6.45%-4.75%-398 bps
Share Growth (YoY)-2.17%-3.27%-5.09%-3.64%-1.63%1.56%0.82%0.45%+409 bps
Asset Quality
Delinquent Loans / Loans0.89%0.26%0.35%0.45%0.97%0.59%1.09%1.50%+105 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.91%13.43%13.34%13.42%13.89%14.06%14.29%14.58%+116 bps
Net Worth / Assets12.91%13.43%13.34%13.42%13.89%14.06%14.29%14.58%+116 bps
Liquidity & Funding
Loans / Shares28.32%28.41%27.67%27.45%27.28%26.07%25.67%26.03%-142 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

Walled Lake Schools

Wolverine Lake, MI · Charter 6613 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)

NCUA · 2 branches

Q2 2026

$138.4MAssets
$31.0MLoans
$119.0MShares
$20.2MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 87% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 6 of 38).
  • Widest gap: nonperforming loans / loans trails 76% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 30 of 38).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.37%

Rank 6 of 38

Net Interest Margin

3.52%

Rank 27 of 38

Efficiency Ratio

65.90%

Rank 6 of 38

Equity / Assets

14.58%

Rank 14 of 38

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.37%0.49%0.78%1.16%Beats 84%6 / 38
Return on Equity9.38%3.91%6.52%8.43%Beats 79%8 / 38
Net Interest Margin3.52%3.41%3.65%4.18%Beats 29%27 / 38
Efficiency Ratio65.90%72.88%78.35%82.40%Beats 87%6 / 38
Asset Quality
Nonperforming Loans / Loans1.50%0.36%0.84%1.47%Beats 24%30 / 38
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.58%11.22%12.45%15.29%Beats 63%14 / 38
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.58%11.22%12.45%15.29%Beats 63%14 / 38
Liquidity & Funding
Loans / Deposits26.03%38.40%54.78%75.62%11th pctl34 / 38
Loans / Assets22.39%32.99%45.72%63.66%8th pctl35 / 38
Brokered Deposits / Depositsn/aNot reported for this institution