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Electrical

Arvada, CO · Charter 8701

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 the Birmingham, AL 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 Birmingham, AL area (n=29). 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

89

Q2 2024Q2 2026peer median

Efficiency

66

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

Electrical

Arvada, CO · Charter 8701

NCUA · 2 branches

Q2 2026

$54.3MAssets
$24.7MLoans
$47.1MShares
$7.1MNet 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 0.73%, down 45 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.75% of loans (+21 bps YoY).
  • Capital: net worth / assets of 12.99%, down 12 bps from a year ago.
  • Funding: loans stand at 52.50% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%-45 bps YoY

Net Interest Margin (YTD, annualized)

3.36%-41 bps YoY

Efficiency Ratio (YTD, annualized)

72.54%+547 bps YoY

Net Worth / Assets

12.99%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.10%1.10%0.93%0.73%-45 bps
Return on Equity8.98%8.50%8.33%7.09%5.62%-336 bps
Net Interest Margin3.76%3.59%3.57%3.45%3.36%-41 bps
Efficiency Ratio67.07%68.95%68.78%72.83%72.54%+547 bps
Growth
Asset Growth (YoY)1.36%1.94%2.82%4.47%8.10%+674 bps
Loan Growth (YoY)1.75%1.62%0.43%1.72%-1.13%-289 bps
Share Growth (YoY)0.65%1.27%2.04%4.19%8.24%+759 bps
Asset Quality
Delinquent Loans / Loans0.55%0.46%0.94%0.52%0.75%+21 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 Capital13.11%12.95%13.14%13.12%12.99%-12 bps
Net Worth / Assets13.11%12.95%13.14%13.12%12.99%-12 bps
Liquidity & Funding
Loans / Shares57.48%54.99%54.88%53.75%52.50%-498 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

Electrical

Arvada, CO · Charter 8701 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)

NCUA · 2 branches

Q2 2026

$54.3MAssets
$24.7MLoans
$47.1MShares
$7.1MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 72% of credit unions under $1B in assets in the Birmingham, AL area (rank 9 of 29).
  • Widest gap: net interest margin trails 72% of credit unions under $1B in assets in the Birmingham, AL area (rank 21 of 29).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.73%

Rank 13 of 29

Net Interest Margin

3.35%

Rank 21 of 29

Efficiency Ratio

72.58%

Rank 11 of 29

Equity / Assets

12.99%

Rank 17 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.73%0.26%0.65%1.06%Beats 55%13 / 29
Return on Equity5.61%2.33%4.15%7.02%Beats 59%12 / 29
Net Interest Margin3.35%3.29%3.80%4.67%Beats 28%21 / 29
Efficiency Ratio72.58%67.71%81.00%89.29%Beats 66%11 / 29
Asset Quality
Nonperforming Loans / Loans0.75%0.40%1.03%1.72%Beats 72%9 / 29
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.99%10.13%13.97%19.12%Beats 41%17 / 29
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.99%10.13%13.97%19.12%Beats 41%17 / 29
Liquidity & Funding
Loans / Deposits52.50%40.72%55.53%68.24%41st pctl17 / 29
Loans / Assets45.52%35.46%45.52%58.70%48th pctl15 / 29
Brokered Deposits / Depositsn/aNot reported for this institution