PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Firstenergy Family

Akron, OH · Charter 61620

NCUA · 2 branches

Q2 2026

$47.2MAssets
$27.3MLoans
$39.4MShares
$7.8MNet Worth

Executive Summary

  • Earnings: ROA of 1.88%, down 12 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.53% of loans (+10 bps YoY).
  • Capital: net worth / assets of 16.47%, up 40 bps from a year ago.
  • Funding: loans stand at 69.38% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.88%-12 bps YoY

Net Interest Margin (YTD, annualized)

3.85%-22 bps YoY

Efficiency Ratio (YTD, annualized)

51.22%+30 bps YoY

Net Worth / Assets

16.47%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.85%0.90%1.74%2.00%2.15%1.42%1.68%1.88%-12 bps
Return on Equity11.46%5.76%11.20%12.42%12.80%8.73%10.43%11.39%-103 bps
Net Interest Margin3.78%3.45%4.02%4.06%4.17%3.68%3.77%3.85%-22 bps
Efficiency Ratio51.17%73.80%56.64%50.91%48.39%61.32%55.44%51.22%+30 bps
Growth
Asset Growth (YoY)1.01%1.85%3.68%2.48%2.88%5.56%5.74%6.32%+384 bps
Loan Growth (YoY)3.10%-1.20%-3.17%-7.21%-3.57%-5.19%-4.58%1.16%+837 bps
Share Growth (YoY)0.01%0.91%3.24%1.71%2.09%5.19%5.20%5.91%+420 bps
Asset Quality
Delinquent Loans / Loans0.18%0.23%0.43%0.43%0.51%0.45%0.30%0.53%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.11%15.71%15.56%16.06%16.80%16.31%16.09%16.47%+40 bps
Net Worth / Assets16.11%15.71%15.56%16.06%16.80%16.31%16.09%16.47%+40 bps
Liquidity & Funding
Loans / Shares80.62%77.90%73.52%72.63%76.15%70.21%66.68%69.38%-325 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps