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Unity One

Fort Worth, TX · Charter 68589

NCUA · 7 branches

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 Dallas-Fort Worth-Arlington, TX 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 Dallas-Fort Worth-Arlington, TX area (n=60). 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

5

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

23

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

17

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

Unity One

Fort Worth, TX · Charter 68589

NCUA · 7 branches

Q2 2026

$275.9MAssets
$161.6MLoans
$260.0MShares
$23.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Financial Results

Return on Assets (YTD, annualized)

-0.41%-26 bps YoY

Net Interest Margin (YTD, annualized)

3.81%+20 bps YoY

Efficiency Ratio (YTD, annualized)

96.51%+565 bps YoY

Net Worth / Assets

8.39%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets-0.15%-0.20%-0.20%-0.29%-0.41%-26 bps
Net Interest Margin3.61%3.78%3.88%3.73%3.81%+20 bps
Asset Growth (YoY)-0.58%-6.50%-6.47%-6.52%-4.87%-428 bps
Share Growth (YoY)-1.15%-6.65%-7.80%-7.19%-5.42%-428 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Risk-Based Capital8.48%8.78%8.74%8.39%8.39%-9 bps
Loans / Shares62.41%64.30%64.29%60.19%62.16%-24 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

Unity One

Fort Worth, TX · Charter 68589 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)

NCUA · 7 branches

Q2 2026

$275.9MAssets
$161.6MLoans
$260.0MShares
$23.1MNet Worth

Return on Assets

-0.41%

Rank 51 of 60

Net Interest Margin

3.81%

Rank 34 of 60

Efficiency Ratio

96.49%

Rank 51 of 60

Equity / Assets

8.39%

Rank 57 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Return on Assets-0.41%0.02%0.62%0.99%Beats 15%51 / 60
Net Interest Margin3.81%3.36%3.95%4.45%Beats 43%34 / 60
Nonperforming Loans / Loans0.98%0.25%0.82%1.91%Beats 42%36 / 60
Tier 1 Capital Ratio8.39%11.15%14.35%19.86%Beats 5%57 / 60
Equity / Assets8.39%11.15%14.35%19.86%Beats 5%57 / 60
Loans / Assets58.58%41.11%52.43%68.66%63rd pctl22 / 60