PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Members First Community

Quincy, IL · Charter 63368

NCUA · 2 branches

Q2 2026

$111.6MAssets
$79.0MLoans
$82.4MShares
$28.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.74%, down 43 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 0.03% of loans (-1 bps YoY).
  • Capital: net worth / assets of 25.42%, down 72 bps from a year ago.
  • Funding: loans stand at 95.80% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.74%-43 bps YoY

Net Interest Margin (quarter, annualized)

4.09%-32 bps YoY

Efficiency Ratio (quarter, annualized)

68.53%+340 bps YoY

Net Worth / Assets

25.42%-72 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.13%1.90%2.09%2.16%2.14%1.91%2.46%1.74%-43 bps
Return on Equity11.34%7.22%8.22%8.28%8.19%7.33%9.76%6.83%-144 bps
Net Interest Margin4.97%4.81%4.39%4.41%4.36%4.29%4.11%4.09%-32 bps
Efficiency Ratio58.74%69.49%65.73%65.12%65.16%64.84%63.45%68.53%+340 bps
Growth
Asset Growth (YoY)4.39%6.22%8.22%9.04%10.69%9.67%9.89%10.94%+190 bps
Loan Growth (YoY)3.84%3.37%3.61%4.84%5.65%5.41%5.38%4.49%-35 bps
Share Growth (YoY)2.05%6.11%9.94%11.11%12.72%10.34%10.28%12.17%+105 bps
Asset Quality
Delinquent Loans / Loans0.38%0.33%0.04%0.04%0.14%0.14%0.10%0.03%-1 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 Capital27.56%26.37%25.41%26.14%26.15%26.13%25.22%25.42%-72 bps
Net Worth / Assets27.56%26.37%25.41%26.14%26.15%26.13%25.22%25.42%-72 bps
Liquidity & Funding
Loans / Shares109.27%105.80%98.08%102.84%102.42%101.07%93.72%95.80%-704 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps