PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community First

Appleton, WI · Charter 66642

NCUA · 29 branches

Q2 2026

$6.8BAssets
$5.1BLoans
$5.9BShares
$878.7MNet 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 1.49%, up 28 bps year over year; NIM at 2.35%.
  • Asset quality: problem loans at 0.14% of loans (+1 bps YoY).
  • Capital: net worth / assets of 12.85%, up 26 bps from a year ago.
  • Funding: loans stand at 86.44% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.49%+28 bps YoY

Net Interest Margin (quarter, annualized)

2.35%+27 bps YoY

Efficiency Ratio (quarter, annualized)

47.19%-572 bps YoY

Net Worth / Assets

12.85%+26 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.28%1.28%1.40%1.49%+28 bps
Return on Equity9.61%9.96%9.85%10.99%11.57%+197 bps
Net Interest Margin2.08%2.17%2.21%2.33%2.35%+27 bps
Efficiency Ratio52.92%51.73%52.46%49.06%47.19%-572 bps
Growth
Asset Growth (YoY)7.75%5.49%5.61%8.26%9.75%+201 bps
Loan Growth (YoY)11.71%13.89%13.45%12.39%12.84%+114 bps
Share Growth (YoY)7.43%4.71%4.71%7.83%9.46%+203 bps
Asset Quality
Delinquent Loans / Loans0.13%0.14%0.15%0.15%0.14%+1 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 Capital12.58%12.87%13.00%12.78%12.85%+26 bps
Net Worth / Assets12.58%12.87%13.00%12.78%12.85%+26 bps
Liquidity & Funding
Loans / Shares83.85%86.60%87.06%85.41%86.44%+259 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps