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CS

Catawba, NC · Charter 66856

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

83

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

27

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

CS

Catawba, NC · Charter 66856

NCUA · 2 branches

Q2 2026

$30.5MAssets
$16.1MLoans
$25.3MShares
$5.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.50%, down 10 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.46% of loans (+4 bps YoY).
  • Capital: net worth / assets of 18.69%, up 60 bps from a year ago.
  • Funding: loans stand at 63.58% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.50%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.74%-17 bps YoY

Efficiency Ratio (YTD, annualized)

86.06%+264 bps YoY

Net Worth / Assets

18.69%+60 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.55%0.39%0.60%0.63%0.69%0.43%0.50%-10 bps
Return on Equity2.96%3.09%2.22%3.31%3.35%3.64%2.42%2.65%-65 bps
Net Interest Margin3.52%3.55%3.67%3.91%4.09%4.07%3.59%3.74%-17 bps
Efficiency Ratio85.23%84.48%87.75%83.42%83.32%82.15%86.42%86.06%+264 bps
Growth
Asset Growth (YoY)1.73%2.26%2.21%0.47%-3.96%-3.67%-0.30%-0.77%-123 bps
Loan Growth (YoY)10.92%8.39%10.04%7.97%11.48%7.92%0.13%-1.76%-973 bps
Share Growth (YoY)-1.94%0.80%0.81%-0.68%-4.97%-5.70%-1.59%-1.90%-122 bps
Asset Quality
Delinquent Loans / Loans1.60%0.51%0.30%0.42%0.21%0.27%0.09%0.46%+4 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 Capital17.64%17.71%17.39%18.09%18.84%18.91%17.95%18.69%+60 bps
Net Worth / Assets17.64%17.71%17.39%18.09%18.84%18.91%17.95%18.69%+60 bps
Liquidity & Funding
Loans / Shares59.26%59.60%60.86%63.48%69.52%68.21%61.92%63.58%+9 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

CS

Catawba, NC · Charter 66856 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 2 branches

Q2 2026

$30.5MAssets
$16.1MLoans
$25.3MShares
$5.7MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 83% of credit unions under $1B in assets (rank 290 of 1683).
  • Widest gap: return on equity trails 75% of credit unions under $1B in assets (rank 1263 of 1681).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.50%

Rank 1,136 of 1,683

Net Interest Margin

3.74%

Rank 910 of 1,683

Efficiency Ratio

86.03%

Rank 1,223 of 1,682

Equity / Assets

18.69%

Rank 290 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.50%0.35%0.74%1.18%Beats 33%1,136 / 1,683
Return on Equity2.67%2.67%5.89%8.74%Beats 25%1,263 / 1,681
Net Interest Margin3.74%3.31%3.82%4.32%Beats 46%910 / 1,683
Efficiency Ratio86.03%68.91%78.20%86.93%Beats 27%1,223 / 1,682
Asset Quality
Nonperforming Loans / Loans0.46%0.26%0.65%1.29%Beats 62%635 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio18.69%10.44%12.89%16.53%Beats 83%290 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets18.69%10.44%12.89%16.53%Beats 83%290 / 1,683
Liquidity & Funding
Loans / Deposits63.57%52.61%69.38%83.50%40th pctl1,008 / 1,683
Loans / Assets52.76%44.71%59.18%70.72%39th pctl1,032 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution