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Morrisons Cove 1st

Roaring Spring, PA · Charter 9681

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 PA3

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 PA (n=72). 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

22

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

79

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

Morrisons Cove 1st

Roaring Spring, PA · Charter 9681

NCUA · 1 branch

Q2 2026

$61.9MAssets
$21.6MLoans
$55.1MShares
$6.6MNet 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 1.39%, up 6 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.67% of loans (+18 bps YoY).
  • Capital: net worth / assets of 10.67%, up 62 bps from a year ago.
  • Funding: loans stand at 39.13% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.39%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+3 bps YoY

Efficiency Ratio (YTD, annualized)

62.89%-19 bps YoY

Net Worth / Assets

10.67%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.36%1.34%1.50%1.39%+6 bps
Return on Equity13.23%13.07%12.53%14.45%13.03%-20 bps
Net Interest Margin3.36%3.45%3.47%3.49%3.39%+3 bps
Efficiency Ratio63.09%62.99%63.44%60.83%62.89%-19 bps
Growth
Asset Growth (YoY)2.81%2.42%3.08%8.03%7.61%+480 bps
Loan Growth (YoY)-3.00%-6.88%-8.21%-9.06%-6.75%-376 bps
Share Growth (YoY)1.41%1.20%1.90%7.39%7.38%+598 bps
Asset Quality
Delinquent Loans / Loans0.48%0.45%0.56%0.63%0.67%+18 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 Capital10.06%10.41%10.70%10.37%10.67%+62 bps
Net Worth / Assets10.06%10.41%10.70%10.37%10.67%+62 bps
Liquidity & Funding
Loans / Shares45.07%44.54%43.28%38.97%39.13%-593 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

Morrisons Cove 1st

Roaring Spring, PA · Charter 9681 · Peer group: credit unions under $1B in assets in PA (n=72)

NCUA · 1 branch

Q2 2026

$61.9MAssets
$21.6MLoans
$55.1MShares
$6.6MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 92% of credit unions under $1B in assets in PA (rank 6 of 72).
  • Widest gap: equity / assets trails 78% of credit unions under $1B in assets in PA (rank 56 of 72).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

1.39%

Rank 19 of 72

Net Interest Margin

3.39%

Rank 44 of 72

Efficiency Ratio

62.87%

Rank 16 of 72

Equity / Assets

10.67%

Rank 56 of 72

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%0.59%1.06%1.40%Beats 74%19 / 72
Return on Equity13.04%5.27%7.11%9.91%Beats 92%6 / 72
Net Interest Margin3.39%3.09%3.57%4.10%Beats 39%44 / 72
Efficiency Ratio62.87%64.37%73.67%81.63%Beats 79%16 / 72
Asset Quality
Nonperforming Loans / Loans0.67%0.20%0.58%1.09%Beats 43%42 / 72
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.67%10.74%12.96%16.84%Beats 22%56 / 72
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.67%10.74%12.96%16.84%Beats 22%56 / 72
Liquidity & Funding
Loans / Deposits39.13%34.39%52.54%65.98%33rd pctl48 / 72
Loans / Assets34.81%30.23%45.37%57.67%36th pctl46 / 72
Brokered Deposits / Depositsn/aNot reported for this institution