PackageTrendsPeer
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First Alliance

Rochester, MN · Charter 62872

NCUA · 5 branches

Q2 2026

$358.5MAssets
$258.4MLoans
$296.0MShares
$35.7MNet 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 1.77%, up 158 bps year over year; NIM at 5.48%.
  • Asset quality: problem loans at 1.19% of loans (-23 bps YoY).
  • Capital: net worth / assets of 9.95%, down 113 bps from a year ago.
  • Funding: loans stand at 87.30% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.77%+158 bps YoY

Net Interest Margin (quarter, annualized)

5.48%+74 bps YoY

Efficiency Ratio (quarter, annualized)

69.25%-1,402 bps YoY

Net Worth / Assets

9.95%-113 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%0.39%0.50%2.94%1.77%+158 bps
Return on Equity1.67%3.50%4.60%28.18%17.77%+1,610 bps
Net Interest Margin4.74%4.78%4.67%7.03%5.48%+74 bps
Efficiency Ratio83.27%81.92%81.39%60.42%69.25%-1,402 bps
Growth
Asset Growth (YoY)-0.09%3.72%11.28%19.57%26.06%+2,615 bps
Loan Growth (YoY)5.67%6.57%8.62%11.45%13.75%+808 bps
Share Growth (YoY)2.53%6.15%8.30%16.85%20.18%+1,765 bps
Asset Quality
Delinquent Loans / Loans1.42%1.34%1.53%1.27%1.19%-23 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 Capital11.08%11.04%10.80%10.44%9.95%-113 bps
Net Worth / Assets11.08%11.04%10.80%10.44%9.95%-113 bps
Liquidity & Funding
Loans / Shares92.24%92.59%92.53%85.82%87.30%-493 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps