PackageTrendsPeer
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Community First

Ashtabula, OH · Charter 61094

NCUA · 2 branches

Q2 2026

$99.8MAssets
$47.6MLoans
$85.1MShares
$13.9MNet 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 1.45%, up 86 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 1.69% of loans (+97 bps YoY).
  • Capital: net worth / assets of 13.96%, up 80 bps from a year ago.
  • Funding: loans stand at 55.93% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.45%+86 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+47 bps YoY

Efficiency Ratio (YTD, annualized)

70.39%-1,227 bps YoY

Net Worth / Assets

13.96%+80 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.65%0.75%1.31%1.45%+86 bps
Return on Equity4.44%4.81%5.50%9.54%10.35%+591 bps
Net Interest Margin3.36%3.52%3.57%3.77%3.83%+47 bps
Efficiency Ratio82.66%81.07%78.86%72.46%70.39%-1,227 bps
Growth
Asset Growth (YoY)4.77%4.01%2.92%2.71%2.88%-188 bps
Loan Growth (YoY)5.31%7.40%10.42%13.87%10.10%+479 bps
Share Growth (YoY)4.44%3.39%1.95%1.81%2.25%-220 bps
Asset Quality
Delinquent Loans / Loans0.72%1.52%1.30%1.21%1.69%+97 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 Capital13.16%13.56%13.71%13.72%13.96%+80 bps
Net Worth / Assets13.16%13.56%13.71%13.72%13.96%+80 bps
Liquidity & Funding
Loans / Shares51.94%54.88%56.46%55.44%55.93%+399 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps