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Arise Community

Minneapolis, MN · Charter 68740

NCUA · 1 branch

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 Minneapolis-St. Paul-Bloomington, MN-WI 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 Minneapolis-St. Paul-Bloomington, MN-WI area (n=25). 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

96

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2026Q2 2026peer median (50)

Profitability

1

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q4 2024Q2 2026peer median

Efficiency

4

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

Arise Community

Minneapolis, MN · Charter 68740

NCUA · 1 branch

Q2 2026

$908KAssets
$16KLoans
$174KShares
$730KNet Worth

Executive Summary

  • Earnings: ROA of -61.33%, down 7,953 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 80.36%, down 1,833 bps from a year ago.
  • Funding: loans stand at 9.21% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-61.33%-7,953 bps YoY

Net Interest Margin (YTD, annualized)

2.86%+74 bps YoY

Efficiency Ratio (YTD, annualized)

2131%+206,771 bps YoY

Net Worth / Assets

80.36%-1,833 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets134.40%99.21%-14.04%18.20%2.25%-7.36%-54.33%-61.33%-7,953 bps
Return on Equity134.40%99.98%-14.28%18.44%2.32%-7.61%-63.54%-76.32%-9,476 bps
Net Interest Margin0.53%0.75%1.91%2.12%2.43%2.87%2.63%2.86%+74 bps
Efficiency Ratio9.50%17.08%193.26%63.02%93.86%123.79%2108%2131%+206,771 bps
Growth
Asset Growth (YoY)n/an/a106515600%-2.82%-2.78%-4.63%-4.49%-25.01%-2,219 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a320840%n/an/a
Share Growth (YoY)n/an/an/an/an/a39461%264507%355529%n/a
Asset Quality
Delinquent Loans / Loansn/an/an/a0.00%0.00%n/a0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/a0.00%0.00%n/a0.00%0.00%0 bps
Capital
Risk-Based Capital100.00%99.23%98.33%98.69%96.99%96.72%85.51%80.36%-1,833 bps
Net Worth / Assets100.00%99.23%98.33%98.69%96.99%96.72%85.51%80.36%-1,833 bps
Liquidity & Funding
Loans / Sharesn/a0.00%0.00%10.20%0.47%0.00%0.28%9.21%-100 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

Arise Community

Minneapolis, MN · Charter 68740 · Peer group: credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=25)

NCUA · 1 branch

Q2 2026

$908KAssets
$16KLoans
$174KShares
$730KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 4 of 25).
  • Widest gap: return on equity trails 100% of credit unions under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 25 of 25).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-61.23%

Rank 25 of 25

Net Interest Margin

2.86%

Rank 24 of 25

Efficiency Ratio

2086%

Rank 25 of 25

Equity / Assets

80.40%

Rank 1 of 25

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-61.23%-0.29%0.38%0.84%Beats 0%25 / 25
Return on Equity-76.16%-1.54%3.43%5.67%Beats 0%25 / 25
Net Interest Margin2.86%3.36%3.62%4.13%Beats 4%24 / 25
Efficiency Ratio2086%75.76%88.22%93.38%Beats 4%25 / 25
Asset Quality
Nonperforming Loans / Loans0.00%0.29%0.62%1.02%Beats 100%4 / 25n/a
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio80.40%10.07%11.51%14.55%Beats 96%1 / 25
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets80.40%10.07%11.51%14.55%Beats 96%1 / 25
Liquidity & Funding
Loans / Deposits9.20%59.49%71.17%86.44%0th pctl25 / 25
Loans / Assets1.76%53.45%61.94%76.61%0th pctl25 / 25
Brokered Deposits / Depositsn/aNot reported for this institution