PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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