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Louisville, KY · Charter 68666

NCUA · 6 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

55

Q2 2024Q2 2026peer median (50)

Asset Quality

84

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

5

Q2 2024Q2 2026peer median

Efficiency

77

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

Transcend

Louisville, KY · Charter 68666

NCUA · 6 branches

Q2 2026

$588.3MAssets
$430.6MLoans
$473.2MShares
$78.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.19%, up 20 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.13% of loans (-3 bps YoY).
  • Capital: net worth / assets of 13.37%, up 69 bps from a year ago.
  • Funding: loans stand at 91.00% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.19%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.80%+9 bps YoY

Efficiency Ratio (YTD, annualized)

68.00%-164 bps YoY

Net Worth / Assets

13.37%+69 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.79%0.93%0.99%1.08%1.15%1.00%1.19%+20 bps
Return on Equity5.79%6.23%7.33%7.84%8.23%8.75%7.71%8.92%+108 bps
Net Interest Margin2.30%2.35%2.65%2.70%2.80%2.78%2.68%2.80%+9 bps
Efficiency Ratio75.62%74.07%70.10%69.64%69.18%67.26%71.18%68.00%-164 bps
Growth
Asset Growth (YoY)2.88%4.03%4.43%6.85%5.59%5.86%6.58%4.49%-236 bps
Loan Growth (YoY)1.47%4.59%5.40%3.57%8.89%5.50%5.66%9.99%+642 bps
Share Growth (YoY)2.75%4.23%4.52%6.19%6.37%5.48%6.29%3.50%-268 bps
Asset Quality
Delinquent Loans / Loans0.10%0.08%0.16%0.16%0.16%0.18%0.17%0.13%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.75%12.70%12.64%12.68%13.12%13.14%13.00%13.37%+69 bps
Net Worth / Assets12.75%12.70%12.64%12.68%13.12%13.14%13.00%13.37%+69 bps
Liquidity & Funding
Loans / Shares87.93%88.58%86.86%85.63%90.01%88.60%86.34%91.00%+536 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%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

Transcend

Louisville, KY · Charter 68666 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 6 branches

Q2 2026

$588.3MAssets
$430.6MLoans
$473.2MShares
$78.6MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 84% of credit unions under $1B in assets (rank 268 of 1682).
  • Widest gap: net interest margin trails 92% of credit unions under $1B in assets (rank 1542 of 1683).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.19%

Rank 410 of 1,683

Net Interest Margin

2.80%

Rank 1,542 of 1,683

Efficiency Ratio

68.00%

Rank 395 of 1,682

Equity / Assets

13.37%

Rank 764 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.19%0.35%0.74%1.18%Beats 76%410 / 1,683
Return on Equity8.92%2.67%5.89%8.74%Beats 76%400 / 1,681
Net Interest Margin2.80%3.31%3.82%4.32%Beats 8%1,542 / 1,683
Efficiency Ratio68.00%68.91%78.20%86.93%Beats 77%395 / 1,682
Asset Quality
Nonperforming Loans / Loans0.13%0.26%0.65%1.29%Beats 84%268 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.37%10.44%12.89%16.53%Beats 55%764 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.37%10.44%12.89%16.53%Beats 55%764 / 1,683
Liquidity & Funding
Loans / Deposits91.00%52.61%69.38%83.50%88th pctl203 / 1,683
Loans / Assets73.19%44.71%59.18%70.72%80th pctl333 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution