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Christian Family

North Canton, OH · Charter 68746

NCUA · 4 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 2025Q2 2026peer median (50)

Asset Quality

67

Q2 2025Q2 2026peer median (50)

Profitability

19

Q2 2025Q2 2026peer median (50)

Liquidity

19

Q2 2025Q2 2026peer median

Efficiency

27

Q2 2025Q2 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

Christian Family

North Canton, OH · Charter 68746

NCUA · 4 branches

Q2 2026

$93.2MAssets
$36.7MLoans
$82.4MShares
$12.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.33%, down 7 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.38% of loans (+16 bps YoY).
  • Capital: net worth / assets of 13.47%, down 105 bps from a year ago.
  • Funding: loans stand at 44.56% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.33%-7 bps YoY

Net Interest Margin (YTD, annualized)

2.91%+66 bps YoY

Efficiency Ratio (YTD, annualized)

85.99%-199 bps YoY

Net Worth / Assets

13.47%-105 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.28%0.19%0.67%0.33%-7 bps
Return on Equity2.76%1.91%1.37%5.13%2.45%-31 bps
Net Interest Margin2.25%2.33%2.32%2.84%2.91%+66 bps
Efficiency Ratio87.98%91.36%93.71%82.65%85.99%-199 bps
Growth
Asset Growth (YoY)n/an/an/an/a18.46%n/an/a
Loan Growth (YoY)n/an/an/an/a9.48%n/an/a
Share Growth (YoY)n/an/an/an/a20.09%n/an/a
Asset Quality
Delinquent Loans / Loans0.22%0.11%0.10%0.21%0.38%+16 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 Capital14.52%14.66%14.10%13.11%13.47%-105 bps
Net Worth / Assets14.52%14.66%14.10%13.11%13.47%-105 bps
Liquidity & Funding
Loans / Shares48.88%46.84%43.93%44.15%44.56%-432 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

Christian Family

North Canton, OH · Charter 68746 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 4 branches

Q2 2026

$93.2MAssets
$36.7MLoans
$82.4MShares
$12.6MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 67% of credit unions under $1B in assets (rank 554 of 1682).
  • Widest gap: net interest margin trails 89% of credit unions under $1B in assets (rank 1497 of 1683).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.33%

Rank 1,286 of 1,683

Net Interest Margin

2.91%

Rank 1,497 of 1,683

Efficiency Ratio

85.98%

Rank 1,221 of 1,682

Equity / Assets

13.47%

Rank 754 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.33%0.35%0.74%1.18%Beats 24%1,286 / 1,683
Return on Equity2.45%2.67%5.89%8.74%Beats 23%1,295 / 1,681
Net Interest Margin2.91%3.31%3.82%4.32%Beats 11%1,497 / 1,683
Efficiency Ratio85.98%68.91%78.20%86.93%Beats 27%1,221 / 1,682
Asset Quality
Nonperforming Loans / Loans0.38%0.26%0.65%1.29%Beats 67%554 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.47%10.44%12.89%16.53%Beats 55%754 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.47%10.44%12.89%16.53%Beats 55%754 / 1,683
Liquidity & Funding
Loans / Deposits44.56%52.61%69.38%83.50%16th pctl1,414 / 1,683
Loans / Assets39.38%44.71%59.18%70.72%18th pctl1,379 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution