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Smart Choice

Cleveland, TN · Charter 68513

NCUA · 3 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

13

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

20

Q2 2024Q2 2026peer median

Efficiency

6

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

Smart Choice

Cleveland, TN · Charter 68513

NCUA · 3 branches

Q2 2026

$3.4MAssets
$1.4MLoans
$3.1MShares
$322KNet Worth

Return on Assets (YTD, annualized)

-1.69%-184 bps YoY

Net Interest Margin (YTD, annualized)

4.77%+33 bps YoY

Efficiency Ratio (YTD, annualized)

104.76%+775 bps YoY

Net Worth / Assets

9.36%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets0.53%0.17%-0.14%0.15%0.00%-0.30%-1.61%-1.69%-184 bps
Net Interest Margin5.35%5.39%4.46%4.44%4.55%4.60%3.96%4.77%+33 bps
Asset Growth (YoY)-3.32%-5.92%1.98%6.82%7.24%6.62%0.23%-11.31%-1,814 bps
Share Growth (YoY)-4.02%-6.39%2.45%8.09%8.35%7.94%0.90%-11.37%-1,946 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital10.54%10.50%9.75%9.42%9.61%9.55%9.06%9.36%-5 bps
Loans / Shares48.99%48.85%45.15%42.39%44.09%44.44%44.28%44.81%+242 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

Smart Choice

Cleveland, TN · Charter 68513 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 3 branches

Q2 2026

$3.4MAssets
$1.4MLoans
$3.1MShares
$322KNet Worth

Return on Assets

-1.69%

Rank 1,637 of 1,683

Net Interest Margin

4.76%

Rank 223 of 1,683

Efficiency Ratio

105.32%

Rank 1,589 of 1,682

Equity / Assets

9.36%

Rank 1,460 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets-1.69%0.35%0.74%1.18%Beats 3%1,637 / 1,683
Net Interest Margin4.76%3.31%3.82%4.32%Beats 87%223 / 1,683
Nonperforming Loans / Loans1.00%0.26%0.65%1.29%Beats 33%1,130 / 1,682
Tier 1 Capital Ratio9.36%10.44%12.89%16.53%Beats 13%1,460 / 1,683
Equity / Assets9.36%10.44%12.89%16.53%Beats 13%1,460 / 1,683
Loans / Assets40.53%44.71%59.18%70.72%20th pctl1,349 / 1,683