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Revity

Granite City, IL · Charter 68623

NCUA · 8 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 St. Louis, MO-IL 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 St. Louis, MO-IL area (n=26 to 27). 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

44

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

85

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

Revity

Granite City, IL · Charter 68623

NCUA · 8 branches

Q2 2026

$526.5MAssets
$312.7MLoans
$421.4MShares
$54.8MNet 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 1.30%, up 90 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.43% of loans (+6 bps YoY).
  • Capital: net worth / assets of 10.40%, down 66 bps from a year ago.
  • Funding: loans stand at 74.22% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.30%+90 bps YoY

Net Interest Margin (YTD, annualized)

3.93%+114 bps YoY

Efficiency Ratio (YTD, annualized)

69.93%-1,769 bps YoY

Net Worth / Assets

10.40%-66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.53%0.73%0.98%1.30%+90 bps
Return on Equity3.66%4.66%6.12%9.84%12.53%+887 bps
Net Interest Margin2.79%2.94%3.19%3.73%3.93%+114 bps
Efficiency Ratio87.62%83.95%80.43%75.98%69.93%-1,769 bps
Growth
Asset Growth (YoY)9.43%9.08%4.41%11.85%5.15%-428 bps
Loan Growth (YoY)10.70%13.17%14.54%14.56%7.18%-352 bps
Share Growth (YoY)2.17%2.25%2.28%2.72%1.93%-24 bps
Asset Quality
Delinquent Loans / Loans0.37%0.28%0.22%0.27%0.43%+6 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 Capital11.06%11.29%11.95%9.94%10.40%-66 bps
Net Worth / Assets11.06%11.29%11.95%9.94%10.40%-66 bps
Liquidity & Funding
Loans / Shares70.59%73.53%73.60%72.49%74.22%+363 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

Revity

Granite City, IL · Charter 68623 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)

NCUA · 8 branches

Q2 2026

$526.5MAssets
$312.7MLoans
$421.4MShares
$54.8MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 92% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 2 of 26).
  • Widest gap: equity / assets trails 56% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 15 of 27).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.30%

Rank 3 of 27

Net Interest Margin

3.93%

Rank 10 of 27

Efficiency Ratio

69.94%

Rank 5 of 27

Equity / Assets

10.40%

Rank 15 of 27

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.30%0.25%0.67%0.86%Beats 89%3 / 27
Return on Equity12.53%2.16%5.85%7.25%Beats 92%2 / 26
Net Interest Margin3.93%3.01%3.75%4.07%Beats 63%10 / 27
Efficiency Ratio69.94%71.97%77.45%89.37%Beats 85%5 / 27
Asset Quality
Nonperforming Loans / Loans0.43%0.24%0.77%1.40%Beats 67%10 / 27
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.40%9.38%10.56%15.42%Beats 44%15 / 27
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.40%9.38%10.56%15.42%Beats 44%15 / 27
Liquidity & Funding
Loans / Deposits74.22%56.38%74.82%87.76%44th pctl15 / 27
Loans / Assets59.40%50.27%64.80%77.37%37th pctl17 / 27
Brokered Deposits / Depositsn/aNot reported for this institution