PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Family First

Saginaw, MI · Charter 61909

NCUA · 3 branches

Q2 2026

$96.8MAssets
$48.0MLoans
$88.4MShares
$9.7MNet 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 0.25%, down 6 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 2.62% of loans (+25 bps YoY).
  • Capital: net worth / assets of 9.98%, up 105 bps from a year ago.
  • Funding: loans stand at 54.29% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.25%-6 bps YoY

Net Interest Margin (YTD, annualized)

4.19%+24 bps YoY

Efficiency Ratio (YTD, annualized)

81.52%+497 bps YoY

Net Worth / Assets

9.98%+105 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.57%0.55%-0.41%0.25%-6 bps
Return on Equity3.50%6.05%5.81%-4.38%2.52%-98 bps
Net Interest Margin3.96%4.18%4.23%4.00%4.19%+24 bps
Efficiency Ratio76.55%74.54%75.39%85.12%81.52%+497 bps
Growth
Asset Growth (YoY)4.56%2.24%-0.96%-4.96%-7.28%-1,184 bps
Loan Growth (YoY)-9.57%-6.59%-3.41%0.68%4.48%+1,405 bps
Share Growth (YoY)4.06%1.49%-1.45%-6.23%-7.71%-1,177 bps
Asset Quality
Delinquent Loans / Loans2.36%2.99%2.68%2.07%2.62%+25 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 Capital8.92%9.44%9.53%9.38%9.98%+105 bps
Net Worth / Assets8.92%9.44%9.53%9.38%9.98%+105 bps
Liquidity & Funding
Loans / Shares47.95%49.73%51.60%51.56%54.29%+633 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps