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Unison

Kaukauna, WI · Charter 66851

NCUA · 6 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

15

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

70

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

Unison

Kaukauna, WI · Charter 66851

NCUA · 6 branches

Q2 2026

$393.6MAssets
$229.3MLoans
$321.7MShares
$37.2MNet 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 0.90%, up 20 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.29% of loans (-2 bps YoY).
  • Capital: net worth / assets of 9.44%, up 13 bps from a year ago.
  • Funding: loans stand at 71.28% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.21%+5 bps YoY

Efficiency Ratio (YTD, annualized)

71.38%-431 bps YoY

Net Worth / Assets

9.44%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.67%0.76%0.96%0.90%+20 bps
Return on Equity7.57%7.12%8.26%10.23%9.56%+199 bps
Net Interest Margin3.16%3.23%3.12%3.17%3.21%+5 bps
Efficiency Ratio75.70%74.66%72.49%71.85%71.38%-431 bps
Growth
Asset Growth (YoY)11.30%9.35%13.35%12.57%8.41%-288 bps
Loan Growth (YoY)12.37%15.62%9.51%8.39%7.84%-453 bps
Share Growth (YoY)3.23%3.27%6.49%6.43%5.33%+211 bps
Asset Quality
Delinquent Loans / Loans0.31%0.32%0.40%0.41%0.29%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.31%9.42%9.21%9.34%9.44%+13 bps
Net Worth / Assets9.31%9.42%9.21%9.34%9.44%+13 bps
Liquidity & Funding
Loans / Shares69.62%71.40%70.08%69.30%71.28%+166 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

Unison

Kaukauna, WI · Charter 66851 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 6 branches

Q2 2026

$393.6MAssets
$229.3MLoans
$321.7MShares
$37.2MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 81% of credit unions under $1B in assets (rank 326 of 1681).
  • Widest gap: equity / assets trails 85% of credit unions under $1B in assets (rank 1436 of 1683).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.90%

Rank 678 of 1,683

Net Interest Margin

3.21%

Rank 1,332 of 1,683

Efficiency Ratio

71.38%

Rank 513 of 1,682

Equity / Assets

9.44%

Rank 1,436 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.90%0.35%0.74%1.18%Beats 60%678 / 1,683
Return on Equity9.56%2.67%5.89%8.74%Beats 81%326 / 1,681
Net Interest Margin3.21%3.31%3.82%4.32%Beats 21%1,332 / 1,683
Efficiency Ratio71.38%68.91%78.20%86.93%Beats 70%513 / 1,682
Asset Quality
Nonperforming Loans / Loans0.29%0.26%0.65%1.29%Beats 73%449 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.44%10.44%12.89%16.53%Beats 15%1,436 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.44%10.44%12.89%16.53%Beats 15%1,436 / 1,683
Liquidity & Funding
Loans / Deposits71.28%52.61%69.38%83.50%53rd pctl783 / 1,683
Loans / Assets58.25%44.71%59.18%70.72%48th pctl873 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution