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Universal

Huntington, WV · Charter 785

NCUA · 3 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 Huntington-Ashland, WV-KY-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 Huntington-Ashland, WV-KY-OH area (n=16). 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

56

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

25

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

Universal

Huntington, WV · Charter 785

NCUA · 3 branches

Q2 2026

$99.5MAssets
$26.0MLoans
$85.6MShares
$13.0MNet 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 0.45%, up 13 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.46% of loans (+13 bps YoY).
  • Capital: net worth / assets of 13.03%, up 13 bps from a year ago.
  • Funding: loans stand at 30.33% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.45%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+28 bps YoY

Efficiency Ratio (YTD, annualized)

86.55%-290 bps YoY

Net Worth / Assets

13.03%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.36%0.36%0.31%0.45%+13 bps
Return on Equity2.49%2.71%2.64%2.31%3.49%+100 bps
Net Interest Margin2.73%2.80%2.90%2.88%3.00%+28 bps
Efficiency Ratio89.46%88.73%89.14%90.52%86.55%-290 bps
Growth
Asset Growth (YoY)4.00%3.45%1.67%1.62%2.21%-178 bps
Loan Growth (YoY)-5.33%-7.55%-10.57%-13.07%-13.47%-814 bps
Share Growth (YoY)4.56%3.39%1.63%1.37%-0.55%-511 bps
Asset Quality
Delinquent Loans / Loans0.33%0.21%0.17%0.04%0.46%+13 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 Capital12.90%13.27%13.47%13.19%13.03%+13 bps
Net Worth / Assets12.90%13.27%13.47%13.19%13.03%+13 bps
Liquidity & Funding
Loans / Shares34.86%35.01%34.10%31.74%30.33%-453 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

Universal

Huntington, WV · Charter 785 · Peer group: credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (n=16)

NCUA · 3 branches

Q2 2026

$99.5MAssets
$26.0MLoans
$85.6MShares
$13.0MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 81% of credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (rank 4 of 16).
  • Widest gap: net interest margin trails 81% of credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (rank 13 of 16).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.45%

Rank 11 of 16

Net Interest Margin

3.00%

Rank 13 of 16

Efficiency Ratio

86.56%

Rank 13 of 16

Equity / Assets

13.03%

Rank 7 of 16

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.45%0.26%0.64%1.04%Beats 31%11 / 16
Return on Equity3.48%2.11%6.23%8.05%Beats 31%11 / 16
Net Interest Margin3.00%3.27%3.61%4.55%Beats 19%13 / 16
Efficiency Ratio86.56%73.53%78.18%86.56%Beats 25%13 / 16
Asset Quality
Nonperforming Loans / Loans0.46%0.76%1.98%4.44%Beats 81%4 / 16
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.03%11.13%12.88%16.82%Beats 56%7 / 16
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.03%11.13%12.88%16.82%Beats 56%7 / 16
Liquidity & Funding
Loans / Deposits30.33%50.42%58.02%68.47%0th pctl16 / 16
Loans / Assets26.08%44.10%51.06%58.46%6th pctl15 / 16
Brokered Deposits / Depositsn/aNot reported for this institution