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First Area

Lewistown, PA · Charter 14346

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 Fort Wayne, IN 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 Fort Wayne, IN area (n=19). 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

32

Q2 2024Q2 2026peer median (50)

Asset Quality

32

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

68

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

First Area

Lewistown, PA · Charter 14346

NCUA · 2 branches

Q2 2026

$29.9MAssets
$4.7MLoans
$27.0MShares
$3.0MNet 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 42 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 1.15% of loans (+113 bps YoY).
  • Capital: net worth / assets of 10.12%, up 167 bps from a year ago.
  • Funding: loans stand at 17.48% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.39%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+44 bps YoY

Efficiency Ratio (YTD, annualized)

71.43%-512 bps YoY

Net Worth / Assets

10.12%+167 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.13%1.19%1.28%1.39%+42 bps
Return on Equity11.55%12.22%12.70%13.46%13.74%+219 bps
Net Interest Margin3.33%3.52%3.50%3.55%3.76%+44 bps
Efficiency Ratio76.54%74.71%73.11%73.12%71.43%-512 bps
Growth
Asset Growth (YoY)10.27%6.94%8.13%2.96%-0.95%-1,122 bps
Loan Growth (YoY)-12.73%-10.57%-11.08%-12.40%-11.07%+166 bps
Share Growth (YoY)9.57%5.86%7.76%1.99%-2.32%-1,189 bps
Asset Quality
Delinquent Loans / Loans0.02%0.23%0.05%0.16%1.15%+113 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 Capital8.45%9.21%9.34%9.52%10.12%+167 bps
Net Worth / Assets8.45%9.21%9.34%9.52%10.12%+167 bps
Liquidity & Funding
Loans / Shares19.20%19.21%18.15%16.92%17.48%-172 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

First Area

Lewistown, PA · Charter 14346 · Peer group: credit unions under $1B in assets in the Fort Wayne, IN area (n=19)

NCUA · 2 branches

Q2 2026

$29.9MAssets
$4.7MLoans
$27.0MShares
$3.0MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 68% of credit unions under $1B in assets in the Fort Wayne, IN area (rank 6 of 19).
  • Widest gap: equity / assets trails 68% of credit unions under $1B in assets in the Fort Wayne, IN area (rank 13 of 19).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

1.39%

Rank 7 of 19

Net Interest Margin

3.76%

Rank 11 of 19

Efficiency Ratio

71.41%

Rank 7 of 19

Equity / Assets

10.12%

Rank 13 of 19

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%-0.27%1.22%1.52%Beats 63%7 / 19
Return on Equity13.73%-2.41%9.38%13.75%Beats 68%6 / 19
Net Interest Margin3.76%3.49%3.77%4.18%Beats 42%11 / 19
Efficiency Ratio71.41%68.63%79.83%95.74%Beats 68%7 / 19
Asset Quality
Nonperforming Loans / Loans1.14%0.38%0.61%1.20%Beats 32%14 / 19
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.12%10.00%11.56%13.69%Beats 32%13 / 19
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.12%10.00%11.56%13.69%Beats 32%13 / 19
Liquidity & Funding
Loans / Deposits17.48%49.95%68.70%81.33%0th pctl19 / 19
Loans / Assets15.78%39.83%58.83%70.01%0th pctl19 / 19
Brokered Deposits / Depositsn/aNot reported for this institution