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Kraftman

Bastrop, LA · Charter 8530

NCUA · 2 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 LA3

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 LA (n=56 to 57). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

37

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

Kraftman

Bastrop, LA · Charter 8530

NCUA · 2 branches

Q2 2026

$141.8MAssets
$47.2MLoans
$125.7MShares
$20.7MNet 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 0.41%, up 3 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.97% of loans (+19 bps YoY).
  • Capital: net worth / assets of 14.60%, down 79 bps from a year ago.
  • Funding: loans stand at 37.57% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.41%+3 bps YoY

Net Interest Margin (YTD, annualized)

2.52%+10 bps YoY

Efficiency Ratio (YTD, annualized)

85.65%-32 bps YoY

Net Worth / Assets

14.60%-79 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.37%0.36%0.42%0.41%+3 bps
Return on Equity2.46%2.44%2.40%2.87%2.80%+35 bps
Net Interest Margin2.41%2.42%2.40%2.45%2.52%+10 bps
Efficiency Ratio85.97%85.10%86.00%85.61%85.65%-32 bps
Growth
Asset Growth (YoY)6.64%5.39%8.58%8.70%8.20%+156 bps
Loan Growth (YoY)10.32%6.65%4.47%-2.11%-1.23%-1,155 bps
Share Growth (YoY)5.67%4.82%6.32%8.48%8.37%+270 bps
Asset Quality
Delinquent Loans / Loans0.78%0.54%0.52%0.66%0.97%+19 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 Capital15.39%15.27%15.03%14.48%14.60%-79 bps
Net Worth / Assets15.39%15.27%15.03%14.48%14.60%-79 bps
Liquidity & Funding
Loans / Shares41.22%41.14%40.21%36.59%37.57%-365 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

Kraftman

Bastrop, LA · Charter 8530 · Peer group: credit unions under $1B in assets in LA (n=56-57)

NCUA · 2 branches

Q2 2026

$141.8MAssets
$47.2MLoans
$125.7MShares
$20.7MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 65% of credit unions under $1B in assets in LA (rank 21 of 57).
  • Widest gap: net interest margin trails 96% of credit unions under $1B in assets in LA (rank 55 of 57).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.41%

Rank 34 of 57

Net Interest Margin

2.52%

Rank 55 of 57

Efficiency Ratio

85.61%

Rank 36 of 56

Equity / Assets

14.60%

Rank 33 of 57

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.41%0.18%0.61%1.03%Beats 40%34 / 57
Return on Equity2.80%0.88%3.71%5.62%Beats 39%35 / 57
Net Interest Margin2.52%3.51%3.94%4.60%Beats 4%55 / 57
Efficiency Ratio85.61%76.49%84.29%92.65%Beats 37%36 / 56
Asset Quality
Nonperforming Loans / Loans0.97%0.35%1.18%2.04%Beats 65%21 / 57
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.60%11.86%15.46%23.44%Beats 42%33 / 57
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.60%11.86%15.46%23.44%Beats 42%33 / 57
Liquidity & Funding
Loans / Deposits37.57%55.77%71.07%79.18%9th pctl52 / 57
Loans / Assets33.29%44.60%59.45%67.17%12th pctl50 / 57
Brokered Deposits / Depositsn/aNot reported for this institution