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Sorg Bay West

Middletown, OH · Charter 6772

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 Cincinnati, OH-KY-IN 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 Cincinnati, OH-KY-IN area (n=26). 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

0

Q2 2024Q2 2026peer median (50)

Asset Quality

4

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

35

Q2 2024Q2 2026peer median

Efficiency

42

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

Sorg Bay West

Middletown, OH · Charter 6772

NCUA · 1 branch

Q2 2026

$11.6MAssets
$8.3MLoans
$10.9MShares
$583KNet Worth

Return on Assets (YTD, annualized)

0.02%+138 bps YoY

Net Interest Margin (YTD, annualized)

4.50%+59 bps YoY

Efficiency Ratio (YTD, annualized)

80.22%+861 bps YoY

Net Worth / Assets

5.01%-20 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets-0.01%-0.41%0.35%-1.35%-1.82%-1.17%-0.86%0.02%+138 bps
Net Interest Margin4.32%3.91%3.97%3.90%4.10%4.30%4.43%4.50%+59 bps
Asset Growth (YoY)11.69%6.18%4.02%8.38%2.24%1.92%-0.35%-3.59%-1,197 bps
Share Growth (YoY)13.19%7.46%4.49%10.27%4.41%3.28%1.09%-3.75%-1,402 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital6.85%6.55%6.40%5.21%4.74%5.05%4.76%5.01%-20 bps
Loans / Shares89.22%89.16%83.53%78.15%77.36%79.41%76.43%76.21%-194 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

Sorg Bay West

Middletown, OH · Charter 6772 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)

NCUA · 1 branch

Q2 2026

$11.6MAssets
$8.3MLoans
$10.9MShares
$583KNet Worth

Return on Assets

0.02%

Rank 23 of 26

Net Interest Margin

4.50%

Rank 10 of 26

Efficiency Ratio

80.07%

Rank 16 of 26

Equity / Assets

5.01%

Rank 26 of 26

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets0.02%0.41%0.79%1.34%Beats 12%23 / 26
Net Interest Margin4.50%3.25%4.11%4.64%Beats 62%10 / 26
Nonperforming Loans / Loans6.08%0.40%1.09%2.09%Beats 4%26 / 26
Tier 1 Capital Ratio5.01%10.31%12.73%15.29%Beats 0%26 / 26
Equity / Assets5.01%10.31%12.73%15.29%Beats 0%26 / 26
Loans / Assets71.52%44.32%54.77%68.75%88th pctl3 / 26