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1st Ed Credit Union

Chambersburg, PA · Charter 65412

NCUA · 3 branches

Q2 2026

$138.2MAssets
$43.2MLoans
$117.3MShares
$21.9MNet 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%, up 17 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 0.50% of loans (+50 bps YoY).
  • Capital: net worth / assets of 15.87%, up 61 bps from a year ago.
  • Funding: loans stand at 36.86% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.42%+17 bps YoY

Net Interest Margin (quarter, annualized)

2.59%+31 bps YoY

Efficiency Ratio (quarter, annualized)

85.88%-654 bps YoY

Net Worth / Assets

15.87%+61 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.33%0.35%0.41%0.42%+17 bps
Return on Equity1.62%2.11%2.28%2.60%2.64%+101 bps
Net Interest Margin2.28%2.35%2.40%2.50%2.59%+31 bps
Efficiency Ratio92.42%90.09%88.43%85.86%85.88%-654 bps
Growth
Asset Growth (YoY)1.91%1.47%0.41%-0.57%-1.10%-301 bps
Loan Growth (YoY)-9.40%-8.66%-8.09%-3.78%-3.39%+601 bps
Share Growth (YoY)0.30%0.62%-1.20%-1.69%-2.37%-267 bps
Asset Quality
Delinquent Loans / Loans0.00%0.02%0.00%0.51%0.50%+50 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 Capital15.26%15.45%15.59%15.59%15.87%+61 bps
Net Worth / Assets15.26%15.45%15.59%15.59%15.87%+61 bps
Liquidity & Funding
Loans / Shares37.25%37.59%36.92%36.87%36.86%-39 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps