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Iron County Community

Hurley, WI · Charter 66503

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

82

Q2 2024Q2 2026peer median (50)

Asset Quality

14

Q2 2024Q2 2026peer median (50)

Profitability

95

Q2 2024Q2 2026peer median (50)

Liquidity

29

Q2 2024Q2 2026peer median

Efficiency

90

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

Iron County Community

Hurley, WI · Charter 66503

NCUA · 2 branches

Q2 2026

$47.4MAssets
$32.1MLoans
$37.6MShares
$8.8MNet Worth

Return on Assets (YTD, annualized)

3.01%+169 bps YoY

Net Interest Margin (YTD, annualized)

4.81%+4 bps YoY

Efficiency Ratio (YTD, annualized)

58.85%-106 bps YoY

Net Worth / Assets

18.58%+137 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets2.63%2.66%1.68%1.33%1.37%1.38%2.73%3.01%+169 bps
Net Interest Margin5.03%4.85%4.86%4.76%4.94%4.76%4.76%4.81%+4 bps
Asset Growth (YoY)1.83%4.72%10.33%8.92%3.66%4.96%6.32%4.22%-470 bps
Share Growth (YoY)-0.84%3.04%9.44%8.45%2.77%4.88%4.53%1.44%-701 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital16.69%17.36%17.10%17.21%17.77%17.90%17.66%18.58%+137 bps
Loans / Shares88.75%89.51%85.06%86.48%89.63%85.94%82.31%85.43%-105 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

Iron County Community

Hurley, WI · Charter 66503 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 2 branches

Q2 2026

$47.4MAssets
$32.1MLoans
$37.6MShares
$8.8MNet Worth

Return on Assets

3.01%

Rank 14 of 1,683

Net Interest Margin

4.81%

Rank 200 of 1,683

Efficiency Ratio

58.86%

Rank 172 of 1,682

Equity / Assets

18.58%

Rank 297 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets3.01%0.35%0.74%1.18%Beats 99%14 / 1,683
Net Interest Margin4.81%3.31%3.82%4.32%Beats 88%200 / 1,683
Nonperforming Loans / Loans2.00%0.26%0.65%1.29%Beats 14%1,448 / 1,682
Tier 1 Capital Ratio18.58%10.44%12.89%16.53%Beats 82%297 / 1,683
Equity / Assets18.58%10.44%12.89%16.53%Beats 82%297 / 1,683
Loans / Assets67.82%44.71%59.18%70.72%69th pctl526 / 1,683