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Pfcu

Portland, MI · Charter 68690

NCUA · 13 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 MI3

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 MI (n=56). 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

39

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

46

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

Pfcu

Portland, MI · Charter 68690

NCUA · 13 branches

Q2 2026

$873.2MAssets
$564.2MLoans
$770.3MShares
$98.6MNet 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 1.15%, up 62 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.37% of loans (-9 bps YoY).
  • Capital: net worth / assets of 11.29%, up 46 bps from a year ago.
  • Funding: loans stand at 73.24% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+62 bps YoY

Net Interest Margin (YTD, annualized)

4.13%+27 bps YoY

Efficiency Ratio (YTD, annualized)

73.36%-848 bps YoY

Net Worth / Assets

11.29%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.79%0.90%0.91%1.15%+62 bps
Return on Equity4.98%7.09%8.03%8.16%10.23%+525 bps
Net Interest Margin3.86%3.98%4.00%4.07%4.13%+27 bps
Efficiency Ratio81.84%78.76%77.01%76.78%73.36%-848 bps
Growth
Asset Growth (YoY)1.66%2.38%2.18%3.17%6.21%+455 bps
Loan Growth (YoY)4.14%7.75%10.02%8.25%7.09%+296 bps
Share Growth (YoY)0.44%1.40%0.80%1.99%5.10%+466 bps
Asset Quality
Delinquent Loans / Loans0.46%0.53%0.59%0.33%0.37%-9 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 Capital10.82%11.18%11.20%11.12%11.29%+46 bps
Net Worth / Assets10.82%11.18%11.20%11.12%11.29%+46 bps
Liquidity & Funding
Loans / Shares71.88%74.52%74.97%72.93%73.24%+137 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

Pfcu

Portland, MI · Charter 68690 · Peer group: credit unions under $1B in assets in MI (n=56)

NCUA · 13 branches

Q2 2026

$873.2MAssets
$564.2MLoans
$770.3MShares
$98.6MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 79% of credit unions under $1B in assets in MI (rank 13 of 56).
  • Widest gap: equity / assets trails 61% of credit unions under $1B in assets in MI (rank 34 of 56).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.15%

Rank 28 of 56

Net Interest Margin

4.13%

Rank 19 of 56

Efficiency Ratio

73.36%

Rank 31 of 56

Equity / Assets

11.29%

Rank 34 of 56

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.15%0.74%1.15%1.47%Beats 50%28 / 56
Return on Equity10.23%6.40%9.29%11.51%Beats 63%21 / 56
Net Interest Margin4.13%3.40%3.92%4.36%Beats 66%19 / 56
Efficiency Ratio73.36%65.99%72.16%78.25%Beats 46%31 / 56
Asset Quality
Nonperforming Loans / Loans0.36%0.49%0.84%1.28%Beats 79%13 / 56
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.29%10.20%12.14%14.32%Beats 39%34 / 56
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.29%10.20%12.14%14.32%Beats 39%34 / 56
Liquidity & Funding
Loans / Deposits73.24%52.28%65.96%76.17%66th pctl19 / 56
Loans / Assets64.61%45.34%56.55%67.04%66th pctl19 / 56
Brokered Deposits / Depositsn/aNot reported for this institution