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First Capital

York, PA · Charter 24490

NCUA · 6 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 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

32

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

42

Q2 2024Q2 2026peer median

Efficiency

53

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 Capital

York, PA · Charter 24490

NCUA · 6 branches

Q2 2026

$368.4MAssets
$214.8MLoans
$322.4MShares
$43.8MNet 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 1.07%, down 16 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.20% of loans (+2 bps YoY).
  • Capital: net worth / assets of 11.87%, up 61 bps from a year ago.
  • Funding: loans stand at 66.63% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.07%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.34%-4 bps YoY

Efficiency Ratio (YTD, annualized)

73.36%+77 bps YoY

Net Worth / Assets

11.87%+61 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.26%1.28%0.98%1.07%-16 bps
Return on Equity10.93%11.08%11.33%8.50%9.03%-190 bps
Net Interest Margin3.38%3.34%3.23%3.18%3.34%-4 bps
Efficiency Ratio72.59%72.17%71.22%76.50%73.36%+77 bps
Growth
Asset Growth (YoY)11.40%11.75%13.85%7.37%5.49%-591 bps
Loan Growth (YoY)1.95%0.02%2.54%1.95%9.85%+790 bps
Share Growth (YoY)10.54%11.14%13.70%6.51%4.57%-597 bps
Asset Quality
Delinquent Loans / Loans0.18%0.28%0.23%0.18%0.20%+2 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 Capital11.26%11.38%11.33%11.51%11.87%+61 bps
Net Worth / Assets11.26%11.38%11.33%11.51%11.87%+61 bps
Liquidity & Funding
Loans / Shares63.43%61.95%60.75%61.02%66.63%+320 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 Capital

York, PA · Charter 24490 · Peer group: credit unions under $1B in assets in PA (n=72)

NCUA · 6 branches

Q2 2026

$368.4MAssets
$214.8MLoans
$322.4MShares
$43.8MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 76% of credit unions under $1B in assets in PA (rank 18 of 72).
  • Widest gap: equity / assets trails 68% of credit unions under $1B in assets in PA (rank 49 of 72).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.07%

Rank 35 of 72

Net Interest Margin

3.34%

Rank 48 of 72

Efficiency Ratio

73.36%

Rank 35 of 72

Equity / Assets

11.87%

Rank 49 of 72

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.07%0.59%1.06%1.40%Beats 51%35 / 72
Return on Equity9.03%5.27%7.11%9.91%Beats 65%25 / 72
Net Interest Margin3.34%3.09%3.57%4.10%Beats 33%48 / 72
Efficiency Ratio73.36%64.37%73.67%81.63%Beats 53%35 / 72
Asset Quality
Nonperforming Loans / Loans0.20%0.20%0.58%1.09%Beats 76%18 / 72
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.87%10.74%12.96%16.84%Beats 32%49 / 72
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.87%10.74%12.96%16.84%Beats 32%49 / 72
Liquidity & Funding
Loans / Deposits66.63%34.39%52.54%65.98%76th pctl17 / 72
Loans / Assets58.30%30.23%45.37%57.67%79th pctl15 / 72
Brokered Deposits / Depositsn/aNot reported for this institution