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Modern Employees

Owensboro, KY · Charter 8940

NCUA · 1 branch

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, 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=1,622 to 1,625). 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

7

Q2 2024Q4 2025peer median (50)

Asset Quality

3

Q2 2024Q4 2025peer median (50)

Profitability

29

Q2 2024Q4 2025peer median (50)

Liquidity

14

Q2 2024Q4 2025peer median

Efficiency

1

Q2 2024Q4 2025peer 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 2026-10-10

Modern Employees

Owensboro, KY · Charter 8940

NCUA · 1 branch

Q4 2025

$5.5MAssets
$2.3MLoans
$5.0MShares
$468KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Financial Results

Return on Assets (YTD, annualized)

-9.66%-1,092 bps YoY

Net Interest Margin (YTD, annualized)

4.81%-18 bps YoY

Efficiency Ratio (YTD, annualized)

133.18%+4,828 bps YoY

Net Worth / Assets

8.48%-853 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Return on Assets1.26%-0.88%-5.58%-12.41%-9.66%-1,092 bps
Net Interest Margin4.99%3.94%4.47%4.86%4.81%-18 bps
Asset Growth (YoY)-9.61%-0.87%-1.97%-6.30%-6.26%+335 bps
Share Growth (YoY)-11.97%-2.04%-1.39%2.85%2.29%+1,425 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Risk-Based Capital17.01%15.83%13.85%8.39%8.48%-853 bps
Loans / Shares54.68%50.47%50.60%47.94%44.82%-986 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 2026-10-10

Modern Employees

Owensboro, KY · Charter 8940 · Peer group: credit unions under $1B in assets (n=1,622-1,625)

NCUA · 1 branch

Q4 2025

$5.5MAssets
$2.3MLoans
$5.0MShares
$468KNet Worth

Return on Assets

-9.67%

Rank 1,621 of 1,625

Net Interest Margin

4.82%

Rank 219 of 1,625

Efficiency Ratio

133.02%

Rank 1,601 of 1,622

Equity / Assets

8.47%

Rank 1,508 of 1,624

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Return on Assets-9.67%0.37%0.76%1.21%Beats 0%1,621 / 1,625
Net Interest Margin4.82%3.25%3.80%4.36%Beats 87%219 / 1,625
Nonperforming Loans / Loans4.88%0.28%0.70%1.35%Beats 3%1,573 / 1,623
Tier 1 Capital Ratio8.48%10.44%12.79%16.54%Beats 7%1,509 / 1,625
Equity / Assets8.47%10.44%12.79%16.54%Beats 7%1,508 / 1,624
Loans / Assets40.79%46.04%60.45%71.73%18th pctl1,325 / 1,624