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Dynamic

Celina, OH · Charter 6747

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 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

86

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

89

Q2 2024Q2 2026peer median

Efficiency

91

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

Dynamic

Celina, OH · Charter 6747

NCUA · 1 branch

Q2 2026

$83.4MAssets
$48.0MLoans
$66.8MShares
$16.5MNet 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 2.28%, up 25 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.37% of loans (-7 bps YoY).
  • Capital: net worth / assets of 19.80%, down 97 bps from a year ago.
  • Funding: loans stand at 71.86% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.28%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.80%-39 bps YoY

Efficiency Ratio (YTD, annualized)

57.04%-870 bps YoY

Net Worth / Assets

19.80%-97 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.03%2.03%1.98%2.33%2.28%+25 bps
Return on Equity9.78%9.75%10.05%11.79%11.51%+173 bps
Net Interest Margin4.19%4.19%3.89%3.82%3.80%-39 bps
Efficiency Ratio65.75%64.69%62.86%58.01%57.04%-870 bps
Growth
Asset Growth (YoY)6.56%7.26%16.04%13.05%17.68%+1,113 bps
Loan Growth (YoY)2.11%4.65%3.02%4.36%11.44%+934 bps
Share Growth (YoY)5.43%6.35%18.91%12.94%18.83%+1,340 bps
Asset Quality
Delinquent Loans / Loans0.44%0.33%0.32%0.24%0.37%-7 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 Capital20.77%20.79%19.70%19.73%19.80%-97 bps
Net Worth / Assets20.77%20.79%19.70%19.73%19.80%-97 bps
Liquidity & Funding
Loans / Shares76.62%75.97%67.08%67.84%71.86%-476 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 2026-10-11

Dynamic

Celina, OH · Charter 6747 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$83.4MAssets
$48.0MLoans
$66.8MShares
$16.5MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 97% of credit unions under $1B in assets (rank 46 of 1683).
  • Widest gap: net interest margin trails 51% of credit unions under $1B in assets (rank 859 of 1683).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

2.28%

Rank 46 of 1,683

Net Interest Margin

3.79%

Rank 859 of 1,683

Efficiency Ratio

57.08%

Rank 146 of 1,682

Equity / Assets

19.80%

Rank 235 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.28%0.35%0.74%1.18%Beats 97%46 / 1,683
Return on Equity11.51%2.67%5.89%8.74%Beats 90%167 / 1,681
Net Interest Margin3.79%3.31%3.82%4.32%Beats 49%859 / 1,683
Efficiency Ratio57.08%68.91%78.20%86.93%Beats 91%146 / 1,682
Asset Quality
Nonperforming Loans / Loans0.37%0.26%0.65%1.29%Beats 68%544 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio19.80%10.44%12.89%16.53%Beats 86%235 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets19.80%10.44%12.89%16.53%Beats 86%235 / 1,683
Liquidity & Funding
Loans / Deposits71.86%52.61%69.38%83.50%55th pctl763 / 1,683
Loans / Assets57.54%44.71%59.18%70.72%46th pctl901 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution