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M O

Huron, SD · Charter 7020

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 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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

85

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

M O

Huron, SD · Charter 7020

NCUA · 1 branch

Q2 2026

$40.9MAssets
$21.8MLoans
$34.8MShares
$5.8MNet Worth

Executive Summary

  • Earnings: ROA of 1.17%, down 12 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.30% of loans (-5 bps YoY).
  • Capital: net worth / assets of 14.12%, up 199 bps from a year ago.
  • Funding: loans stand at 62.51% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.17%-12 bps YoY

Net Interest Margin (YTD, annualized)

3.48%+23 bps YoY

Efficiency Ratio (YTD, annualized)

63.19%-153 bps YoY

Net Worth / Assets

14.12%+199 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.71%0.72%1.29%1.36%1.30%1.27%1.17%-12 bps
Return on Equity5.93%6.06%6.17%10.61%10.69%9.99%9.31%8.26%-236 bps
Net Interest Margin2.63%2.58%2.74%3.25%3.33%3.31%3.36%3.48%+23 bps
Efficiency Ratio76.13%75.46%77.19%64.73%63.61%65.17%65.36%63.19%-153 bps
Growth
Asset Growth (YoY)2.84%4.21%0.24%1.77%2.75%-0.05%-4.88%-5.72%-748 bps
Loan Growth (YoY)-5.67%0.79%-0.08%-0.40%1.91%-0.34%-0.94%-0.17%+24 bps
Share Growth (YoY)2.34%3.85%-0.83%0.80%1.50%-1.73%-7.01%-7.87%-867 bps
Asset Quality
Delinquent Loans / Loans0.08%0.38%0.36%0.35%0.17%0.06%0.25%0.30%-5 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 Capital11.86%11.73%11.62%12.13%12.76%13.04%13.68%14.12%+199 bps
Net Worth / Assets11.86%11.73%11.62%12.13%12.76%13.04%13.68%14.12%+199 bps
Liquidity & Funding
Loans / Shares60.32%59.91%58.19%57.69%60.56%60.76%61.98%62.51%+483 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

M O

Huron, SD · Charter 7020 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$40.9MAssets
$21.8MLoans
$34.8MShares
$5.8MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 85% of credit unions under $1B in assets (rank 247 of 1682).
  • Widest gap: net interest margin trails 68% of credit unions under $1B in assets (rank 1137 of 1683).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.16%

Rank 432 of 1,683

Net Interest Margin

3.48%

Rank 1,137 of 1,683

Efficiency Ratio

63.22%

Rank 247 of 1,682

Equity / Assets

14.12%

Rank 655 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.16%0.35%0.74%1.18%Beats 74%432 / 1,683
Return on Equity8.25%2.67%5.89%8.74%Beats 71%480 / 1,681
Net Interest Margin3.48%3.31%3.82%4.32%Beats 32%1,137 / 1,683
Efficiency Ratio63.22%68.91%78.20%86.93%Beats 85%247 / 1,682
Asset Quality
Nonperforming Loans / Loans0.30%0.26%0.65%1.29%Beats 72%465 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.12%10.44%12.89%16.53%Beats 61%655 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.12%10.44%12.89%16.53%Beats 61%655 / 1,683
Liquidity & Funding
Loans / Deposits62.51%52.61%69.38%83.50%39th pctl1,034 / 1,683
Loans / Assets53.29%44.71%59.18%70.72%39th pctl1,022 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution