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Gorman-Rupp & Associates

Mansfield, OH · Charter 96719

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 assets in the Columbus, 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 Columbus, OH area (n=18). 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

11

Q2 2024Q2 2026peer median (50)

Asset Quality

94

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

22

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

Gorman-Rupp & Associates

Mansfield, OH · Charter 96719

NCUA · 1 branch

Q2 2026

$16.7MAssets
$10.1MLoans
$15.1MShares
$1.5MNet 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 0.59%, down 33 bps year over year; NIM at 4.52%.
  • Asset quality: problem loans at 0.12% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.19%, down 18 bps from a year ago.
  • Funding: loans stand at 66.88% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.59%-33 bps YoY

Net Interest Margin (YTD, annualized)

4.52%-6 bps YoY

Efficiency Ratio (YTD, annualized)

86.50%+607 bps YoY

Net Worth / Assets

9.19%-18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.76%0.65%0.53%0.59%-33 bps
Return on Equity9.83%8.47%7.30%5.83%6.46%-337 bps
Net Interest Margin4.58%4.43%4.43%4.38%4.52%-6 bps
Efficiency Ratio80.43%79.94%80.39%89.24%86.50%+607 bps
Growth
Asset Growth (YoY)5.35%12.09%12.79%6.48%7.42%+207 bps
Loan Growth (YoY)-2.70%-7.23%-7.72%-3.79%-1.85%+84 bps
Share Growth (YoY)4.98%12.58%13.24%6.37%7.61%+263 bps
Asset Quality
Delinquent Loans / Loans0.12%0.38%0.14%0.13%0.12%0 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 Capital9.37%9.01%8.95%9.01%9.19%-18 bps
Net Worth / Assets9.37%9.01%8.95%9.01%9.19%-18 bps
Liquidity & Funding
Loans / Shares73.33%67.11%64.54%64.97%66.88%-645 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

Gorman-Rupp & Associates

Mansfield, OH · Charter 96719 · Peer group: credit unions under $1B in assets in the Columbus, OH area (n=18)

NCUA · 1 branch

Q2 2026

$16.7MAssets
$10.1MLoans
$15.1MShares
$1.5MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 94% of credit unions under $1B in assets in the Columbus, OH area (rank 1 of 18).
  • Widest gap: equity / assets trails 89% of credit unions under $1B in assets in the Columbus, OH area (rank 16 of 18).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.59%

Rank 14 of 18

Net Interest Margin

4.53%

Rank 1 of 18

Efficiency Ratio

86.40%

Rank 15 of 18

Equity / Assets

9.19%

Rank 16 of 18

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.59%0.59%0.76%0.99%Beats 22%14 / 18
Return on Equity6.40%4.13%7.59%9.05%Beats 33%12 / 18
Net Interest Margin4.53%3.24%3.56%3.79%Beats 94%1 / 18
Efficiency Ratio86.40%72.20%76.10%84.19%Beats 22%15 / 18
Asset Quality
Nonperforming Loans / Loans0.12%0.37%0.66%1.08%Beats 94%2 / 18
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.19%9.66%10.67%11.63%Beats 11%16 / 18
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.19%9.66%10.67%11.63%Beats 11%16 / 18
Liquidity & Funding
Loans / Deposits66.89%47.40%66.89%76.69%50th pctl9 / 18
Loans / Assets60.60%43.35%60.60%69.11%50th pctl9 / 18
Brokered Deposits / Depositsn/aNot reported for this institution