PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Citizens'

Fairhaven, MA · Charter 24254

NCUA · 12 branches

Q2 2026

$705.9MAssets
$404.3MLoans
$559.8MShares
$142.5MNet 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 0.91%, down 20 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.77% of loans (+4 bps YoY).
  • Capital: net worth / assets of 20.19%, up 44 bps from a year ago.
  • Funding: loans stand at 72.21% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.91%-20 bps YoY

Net Interest Margin (quarter, annualized)

3.52%-19 bps YoY

Efficiency Ratio (quarter, annualized)

76.90%+513 bps YoY

Net Worth / Assets

20.19%+44 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.28%1.09%0.76%0.91%-20 bps
Return on Equity5.63%6.38%5.51%3.79%4.53%-110 bps
Net Interest Margin3.71%3.72%3.75%3.41%3.52%-19 bps
Efficiency Ratio71.77%69.84%71.44%81.32%76.90%+513 bps
Growth
Asset Growth (YoY)-1.09%0.77%1.17%0.89%2.86%+395 bps
Loan Growth (YoY)-18.13%-16.44%-16.08%-15.52%-9.38%+875 bps
Share Growth (YoY)-1.69%0.49%1.26%-0.44%2.33%+402 bps
Asset Quality
Delinquent Loans / Loans0.73%0.71%0.87%0.42%0.77%+4 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 Capital19.74%20.08%19.82%20.17%20.19%+44 bps
Net Worth / Assets19.74%20.08%19.82%20.17%20.19%+44 bps
Liquidity & Funding
Loans / Shares81.54%79.69%76.28%72.24%72.21%-933 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps