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Cardinal Credit Union, Inc.

Mentor, OH · Charter 68707

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 the Cleveland, OH 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 Cleveland, OH area (n=39). 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

36

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

Cardinal Credit Union, Inc.

Mentor, OH · Charter 68707

NCUA · 13 branches

Q2 2026

$365.7MAssets
$274.9MLoans
$325.6MShares
$36.6MNet 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 0.32%, up 21 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 1.11% of loans (+37 bps YoY).
  • Capital: net worth / assets of 10.00%, down 70 bps from a year ago.
  • Funding: loans stand at 84.44% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.32%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+1 bps YoY

Efficiency Ratio (YTD, annualized)

88.88%-346 bps YoY

Net Worth / Assets

10.00%-70 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.11%0.12%0.10%0.12%0.32%+21 bps
Return on Equity1.03%1.10%1.00%1.14%3.20%+216 bps
Net Interest Margin3.36%3.40%3.22%3.42%3.37%+1 bps
Efficiency Ratio92.33%92.74%92.54%94.13%88.88%-346 bps
Growth
Asset Growth (YoY)10.04%9.46%14.41%7.54%9.22%-82 bps
Loan Growth (YoY)11.38%9.78%2.90%4.70%9.13%-225 bps
Share Growth (YoY)11.99%11.20%11.97%8.14%9.88%-211 bps
Asset Quality
Delinquent Loans / Loans0.74%1.05%0.86%0.78%1.11%+37 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 Capital10.69%10.70%10.04%10.18%10.00%-70 bps
Net Worth / Assets10.69%10.70%10.04%10.18%10.00%-70 bps
Liquidity & Funding
Loans / Shares85.02%84.34%84.20%83.64%84.44%-58 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

Cardinal Credit Union, Inc.

Mentor, OH · Charter 68707 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)

NCUA · 13 branches

Q2 2026

$365.7MAssets
$274.9MLoans
$325.6MShares
$36.6MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 38% of credit unions under $1B in assets in the Cleveland, OH area (rank 24 of 39).
  • Widest gap: equity / assets trails 77% of credit unions under $1B in assets in the Cleveland, OH area (rank 30 of 39).
  • Overall: at or above the peer median on 0 of 7 directional measures.

Return on Assets

0.32%

Rank 27 of 39

Net Interest Margin

3.37%

Rank 29 of 39

Efficiency Ratio

88.88%

Rank 26 of 39

Equity / Assets

10.00%

Rank 30 of 39

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.32%0.13%0.49%0.87%Beats 31%27 / 39
Return on Equity3.20%1.01%4.09%7.61%Beats 38%24 / 39
Net Interest Margin3.37%3.28%3.83%4.18%Beats 26%29 / 39
Efficiency Ratio88.88%76.45%81.64%91.75%Beats 36%26 / 39
Asset Quality
Nonperforming Loans / Loans1.11%0.15%0.61%1.88%Beats 38%25 / 39
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.00%10.00%12.89%19.36%Beats 23%30 / 39
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.00%10.00%12.89%19.36%Beats 23%30 / 39
Liquidity & Funding
Loans / Deposits84.44%45.46%53.28%74.29%97th pctl1 / 39
Loans / Assets75.18%36.24%44.98%63.66%97th pctl1 / 39
Brokered Deposits / Depositsn/aNot reported for this institution