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Alloy Employees

Waukesha, WI · Charter 66660

NCUA · 1 branch

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Milwaukee-Waukesha, WI area3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, 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 Milwaukee-Waukesha, WI area (n=16). 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

94

Q2 2024Q4 2025peer median (50)

Asset Quality

6

Q2 2024Q4 2025peer median (50)

Profitability

2

Q2 2024Q4 2025peer median (50)

Liquidity

0

Q2 2024Q4 2025peer median

Efficiency

6

Q2 2024Q4 2025peer 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

Alloy Employees

Waukesha, WI · Charter 66660

NCUA · 1 branch

Q4 2025

$328KAssets
$67KLoans
$191KShares
$133KNet Worth

Return on Assets (YTD, annualized)

-2.24%-146 bps YoY

Net Interest Margin (YTD, annualized)

2.22%-184 bps YoY

Efficiency Ratio (YTD, annualized)

201%+8,183 bps YoY

Net Worth / Assets

40.67%-332 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Return on Assets0.01%-0.70%-0.56%-0.78%-0.79%-1.36%-1.68%-2.24%-146 bps
Net Interest Margin3.88%3.82%3.88%4.06%3.11%2.68%2.65%2.22%-184 bps
Asset Growth (YoY)1.44%-18.96%-7.00%-14.02%-9.39%-5.62%-4.09%2.53%+1,655 bps
Share Growth (YoY)6.59%-24.17%-7.44%-22.06%-14.03%-8.05%-4.67%7.54%+2,960 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital37.60%40.30%41.08%44.00%40.57%41.64%41.26%40.67%-332 bps
Loans / Shares49.17%48.75%51.38%49.37%36.40%45.33%38.08%35.02%-1,435 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

Alloy Employees

Waukesha, WI · Charter 66660 · Peer group: credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (n=16)

NCUA · 1 branch

Q4 2025

$328KAssets
$67KLoans
$191KShares
$133KNet Worth

Return on Assets

-2.13%

Rank 16 of 16

Net Interest Margin

2.13%

Rank 15 of 16

Efficiency Ratio

214%

Rank 16 of 16

Equity / Assets

40.55%

Rank 1 of 16

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets-2.13%0.34%1.11%1.71%Beats 0%16 / 16
Net Interest Margin2.13%3.45%4.68%5.14%Beats 6%15 / 16
Nonperforming Loans / Loans68.66%0.14%0.51%1.38%Beats 6%16 / 16
Tier 1 Capital Ratio40.67%11.57%18.29%30.11%Beats 94%1 / 16
Equity / Assets40.55%11.57%18.29%30.12%Beats 94%1 / 16
Loans / Assets20.43%45.93%62.59%72.01%6th pctl15 / 16