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Appliance

Cleveland, TN · Charter 67976

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 Birmingham, AL 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 Birmingham, AL area (n=29). 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

17

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

2

Q2 2024Q2 2026peer median

Efficiency

38

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

Appliance

Cleveland, TN · Charter 67976

NCUA · 1 branch

Q2 2026

$18.7MAssets
$5.0MLoans
$16.7MShares
$1.8MNet 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 0.29%, up 59 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 1.17% of loans (+113 bps YoY).
  • Capital: net worth / assets of 9.60%, down 116 bps from a year ago.
  • Funding: loans stand at 29.62% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.29%+59 bps YoY

Net Interest Margin (YTD, annualized)

3.29%-3 bps YoY

Efficiency Ratio (YTD, annualized)

85.08%-679 bps YoY

Net Worth / Assets

9.60%-116 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.29%-0.02%0.07%0.15%0.29%+59 bps
Return on Equity-2.73%-0.20%0.64%1.42%3.06%+579 bps
Net Interest Margin3.31%3.27%3.41%3.39%3.29%-3 bps
Efficiency Ratio91.87%90.85%90.93%89.76%85.08%-679 bps
Growth
Asset Growth (YoY)3.68%9.66%2.35%4.59%16.12%+1,244 bps
Loan Growth (YoY)-19.15%-18.28%-21.41%-17.29%-11.79%+735 bps
Share Growth (YoY)0.63%5.46%2.19%4.28%20.31%+1,968 bps
Asset Quality
Delinquent Loans / Loans0.04%0.59%0.66%0.57%1.17%+113 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 Capital10.76%10.57%11.08%10.33%9.60%-116 bps
Net Worth / Assets10.76%10.57%11.08%10.33%9.60%-116 bps
Liquidity & Funding
Loans / Shares40.41%38.39%35.24%32.29%29.62%-1,078 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

Appliance

Cleveland, TN · Charter 67976 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)

NCUA · 1 branch

Q2 2026

$18.7MAssets
$5.0MLoans
$16.7MShares
$1.8MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 48% of credit unions under $1B in assets in the Birmingham, AL area (rank 16 of 29).
  • Widest gap: equity / assets trails 83% of credit unions under $1B in assets in the Birmingham, AL area (rank 24 of 29).
  • Overall: at or above the peer median on 0 of 7 directional measures.

Return on Assets

0.29%

Rank 21 of 29

Net Interest Margin

3.29%

Rank 22 of 29

Efficiency Ratio

84.95%

Rank 19 of 29

Equity / Assets

9.60%

Rank 24 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.29%0.26%0.65%1.06%Beats 28%21 / 29
Return on Equity3.01%2.33%4.15%7.02%Beats 34%19 / 29
Net Interest Margin3.29%3.29%3.80%4.67%Beats 24%22 / 29
Efficiency Ratio84.95%67.71%81.00%89.29%Beats 38%19 / 29
Asset Quality
Nonperforming Loans / Loans1.17%0.40%1.03%1.72%Beats 48%16 / 29
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.60%10.13%13.97%19.12%Beats 17%24 / 29
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.60%10.13%13.97%19.12%Beats 17%24 / 29
Liquidity & Funding
Loans / Deposits29.62%40.72%55.53%68.24%10th pctl26 / 29
Loans / Assets26.55%35.46%45.52%58.70%14th pctl25 / 29
Brokered Deposits / Depositsn/aNot reported for this institution