PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Education

Cheyenne, WY · Charter 5465

NCUA · 1 branch

Q2 2026

$87.2MAssets
$33.4MLoans
$77.7MShares
$9.0MNet 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 1.14%, down 40 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.20% of loans (-12 bps YoY).
  • Capital: net worth / assets of 10.34%, up 100 bps from a year ago.
  • Funding: loans stand at 43.04% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%-40 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+13 bps YoY

Efficiency Ratio (YTD, annualized)

75.57%+923 bps YoY

Net Worth / Assets

10.34%+100 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%1.56%1.52%1.12%1.14%-40 bps
Return on Equity16.47%16.11%15.25%11.22%11.05%-542 bps
Net Interest Margin3.78%3.82%3.87%3.87%3.91%+13 bps
Efficiency Ratio66.34%66.36%67.12%76.22%75.57%+923 bps
Growth
Asset Growth (YoY)2.66%2.88%4.84%5.22%3.51%+85 bps
Loan Growth (YoY)6.59%17.40%17.51%15.68%7.53%+94 bps
Share Growth (YoY)1.10%1.22%3.31%4.42%2.67%+156 bps
Asset Quality
Delinquent Loans / Loans0.33%0.09%0.93%0.29%0.20%-12 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 Capital9.34%9.71%9.99%9.94%10.34%+100 bps
Net Worth / Assets9.34%9.71%9.99%9.94%10.34%+100 bps
Liquidity & Funding
Loans / Shares41.09%45.83%46.13%43.52%43.04%+195 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps