PackageTrendsPeer
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Members1st Community

Marshalltown, IA · Charter 62918

NCUA · 8 branches

Q2 2026

$311.1MAssets
$215.4MLoans
$278.8MShares
$29.7MNet 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 0.42%, down 16 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.88% of loans (+21 bps YoY).
  • Capital: net worth / assets of 9.54%, up 9 bps from a year ago.
  • Funding: loans stand at 77.28% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.42%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+20 bps YoY

Efficiency Ratio (YTD, annualized)

75.72%-269 bps YoY

Net Worth / Assets

9.54%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.70%0.82%0.00%0.42%-16 bps
Return on Equity6.10%7.30%8.36%0.02%4.38%-172 bps
Net Interest Margin3.23%3.33%3.35%3.42%3.43%+20 bps
Efficiency Ratio78.41%76.87%75.09%85.32%75.72%-269 bps
Growth
Asset Growth (YoY)9.88%12.99%9.55%5.40%6.92%-296 bps
Loan Growth (YoY)12.27%17.63%17.68%15.63%14.58%+230 bps
Share Growth (YoY)9.44%14.25%9.00%5.05%7.05%-240 bps
Asset Quality
Delinquent Loans / Loans0.67%0.53%0.79%0.94%0.88%+21 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 Capital9.45%9.64%9.77%9.44%9.54%+9 bps
Net Worth / Assets9.45%9.64%9.77%9.44%9.54%+9 bps
Liquidity & Funding
Loans / Shares72.20%76.18%77.54%75.89%77.28%+508 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps