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School Employees

Superior, WI · Charter 66662

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 assets in the Duluth, MN-WI 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 Duluth, MN-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

63

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

31

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 2026-10-10

School Employees

Superior, WI · Charter 66662

NCUA · 1 branch

Q2 2026

$2.4MAssets
$1.6MLoans
$2.0MShares
$389KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.82%, up 14 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.00% of loans (-274 bps YoY).
  • Capital: net worth / assets of 16.47%, up 111 bps from a year ago.
  • Funding: loans stand at 84.04% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.82%+14 bps YoY

Net Interest Margin (YTD, annualized)

4.22%+34 bps YoY

Efficiency Ratio (YTD, annualized)

80.86%-193 bps YoY

Net Worth / Assets

16.47%+111 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.96%0.62%1.36%0.82%+14 bps
Return on Equity4.41%5.95%3.77%8.51%4.99%+58 bps
Net Interest Margin3.88%4.25%4.14%4.91%4.22%+34 bps
Efficiency Ratio82.80%77.69%85.32%72.71%80.86%-193 bps
Growth
Asset Growth (YoY)-0.98%1.90%1.37%5.21%-2.83%-185 bps
Loan Growth (YoY)-15.31%-13.81%-11.31%-12.01%-12.78%+253 bps
Share Growth (YoY)-1.73%7.15%6.31%5.56%-4.02%-229 bps
Asset Quality
Delinquent Loans / Loans2.74%2.03%0.23%0.35%0.00%-274 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.32%0.94%0.97%1.01%1.06%-26 bps
Capital
Risk-Based Capital15.35%16.16%16.35%16.00%16.47%+111 bps
Net Worth / Assets15.35%16.16%16.35%16.00%16.47%+111 bps
Liquidity & Funding
Loans / Shares92.48%94.40%94.03%85.32%84.04%-844 bps
Liquid Assets / Assets0.00%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 2026-10-10

School Employees

Superior, WI · Charter 66662 · Peer group: credit unions under $1B in assets in the Duluth, MN-WI area (n=16)

NCUA · 1 branch

Q2 2026

$2.4MAssets
$1.6MLoans
$2.0MShares
$389KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 2 of 16).
  • Widest gap: return on equity trails 87% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 14 of 16).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.85%

Rank 12 of 16

Net Interest Margin

4.23%

Rank 7 of 16

Efficiency Ratio

80.39%

Rank 12 of 16

Equity / Assets

16.47%

Rank 6 of 16

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.85%0.85%1.44%2.05%Beats 25%12 / 16
Return on Equity5.14%6.27%10.66%13.40%Beats 13%14 / 16
Net Interest Margin4.23%4.07%4.17%4.88%Beats 56%7 / 16
Efficiency Ratio80.39%63.01%70.37%80.78%Beats 31%12 / 16
Asset Quality
Nonperforming Loans / Loans0.00%0.32%0.86%1.92%Beats 100%2 / 16
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio16.47%13.43%14.66%16.97%Beats 63%6 / 16
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets16.47%13.43%14.66%16.97%Beats 63%6 / 16
Liquidity & Funding
Loans / Deposits84.06%67.52%85.26%93.00%38th pctl10 / 16
Loans / Assets69.86%52.10%73.80%79.04%38th pctl10 / 16
Brokered Deposits / Depositsn/aNot reported for this institution