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Sentry

Stevens Point, WI · Charter 66439

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

45

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

74

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

Sentry

Stevens Point, WI · Charter 66439

NCUA · 1 branch

Q2 2026

$172.5MAssets
$109.4MLoans
$149.0MShares
$21.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.73%, down 13 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.44% of loans (+32 bps YoY).
  • Capital: net worth / assets of 12.41%, down 49 bps from a year ago.
  • Funding: loans stand at 73.42% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.73%-13 bps YoY

Net Interest Margin (YTD, annualized)

2.82%+4 bps YoY

Efficiency Ratio (YTD, annualized)

69.28%-20 bps YoY

Net Worth / Assets

12.41%-49 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%0.24%0.81%0.86%0.89%0.86%0.81%0.73%-13 bps
Return on Equity6.67%1.78%6.28%6.69%6.89%6.73%6.48%5.87%-82 bps
Net Interest Margin2.83%2.19%2.75%2.78%2.79%2.80%2.81%2.82%+4 bps
Efficiency Ratio70.19%89.07%73.84%69.48%68.54%67.81%67.03%69.28%-20 bps
Growth
Asset Growth (YoY)1.70%1.82%4.12%6.32%10.23%12.99%11.94%10.95%+463 bps
Loan Growth (YoY)6.91%4.31%4.04%4.11%3.68%4.82%4.78%3.64%-47 bps
Share Growth (YoY)1.06%1.49%5.17%7.61%11.89%14.20%12.38%11.01%+340 bps
Asset Quality
Delinquent Loans / Loans0.24%0.11%0.12%0.12%0.17%0.46%0.40%0.44%+32 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 Capital13.95%13.52%12.97%12.90%12.90%12.83%12.42%12.41%-49 bps
Net Worth / Assets13.95%13.52%12.97%12.90%12.90%12.83%12.42%12.41%-49 bps
Liquidity & Funding
Loans / Shares84.07%84.87%78.93%78.64%77.90%77.90%73.59%73.42%-522 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

Sentry

Stevens Point, WI · Charter 66439 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$172.5MAssets
$109.4MLoans
$149.0MShares
$21.4MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 74% of credit unions under $1B in assets (rank 435 of 1682).
  • Widest gap: net interest margin trails 91% of credit unions under $1B in assets (rank 1535 of 1683).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.73%

Rank 850 of 1,683

Net Interest Margin

2.82%

Rank 1,535 of 1,683

Efficiency Ratio

69.27%

Rank 435 of 1,682

Equity / Assets

12.41%

Rank 930 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.73%0.35%0.74%1.18%Beats 49%850 / 1,683
Return on Equity5.88%2.67%5.89%8.74%Beats 50%845 / 1,681
Net Interest Margin2.82%3.31%3.82%4.32%Beats 9%1,535 / 1,683
Efficiency Ratio69.27%68.91%78.20%86.93%Beats 74%435 / 1,682
Asset Quality
Nonperforming Loans / Loans0.44%0.26%0.65%1.29%Beats 63%615 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.41%10.44%12.89%16.53%Beats 45%930 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.41%10.44%12.89%16.53%Beats 45%930 / 1,683
Liquidity & Funding
Loans / Deposits73.42%52.61%69.38%83.50%58th pctl712 / 1,683
Loans / Assets63.43%44.71%59.18%70.72%60th pctl681 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution