PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community First

Santa Rosa, CA · Charter 61667

NCUA · 13 branches

Q2 2026

$921.0MAssets
$668.9MLoans
$813.4MShares
$94.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.15%, up 77 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 1.22% of loans (-63 bps YoY).
  • Capital: net worth / assets of 10.25%, up 75 bps from a year ago.
  • Funding: loans stand at 82.23% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.15%+77 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+40 bps YoY

Efficiency Ratio (YTD, annualized)

74.44%-918 bps YoY

Net Worth / Assets

10.25%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.39%0.59%0.38%0.48%0.53%1.12%1.15%+77 bps
Return on Equity3.47%4.10%6.12%4.01%4.94%5.42%11.24%11.26%+725 bps
Net Interest Margin3.25%3.35%3.66%3.57%3.73%3.79%3.94%3.97%+40 bps
Efficiency Ratio80.10%79.28%78.53%83.61%81.12%80.14%72.93%74.44%-918 bps
Growth
Asset Growth (YoY)-1.20%-1.72%-2.30%12.43%11.50%13.53%14.48%0.56%-1,187 bps
Loan Growth (YoY)-5.38%-2.89%2.07%19.80%18.14%10.93%8.10%-2.33%-2,213 bps
Share Growth (YoY)-1.76%-1.83%-3.09%12.33%11.15%12.77%13.87%-0.56%-1,289 bps
Asset Quality
Delinquent Loans / Loans1.28%1.00%0.80%1.85%2.51%2.16%1.33%1.22%-63 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 Capital9.28%9.46%9.61%9.50%9.68%9.73%9.94%10.25%+75 bps
Net Worth / Assets9.28%9.46%9.61%9.50%9.68%9.73%9.94%10.25%+75 bps
Liquidity & Funding
Loans / Shares78.70%80.92%83.05%83.73%83.65%79.60%78.84%82.23%-149 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps