PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Community

Houston, TX · Charter 66818

NCUA · 18 branches

Q2 2026

$3.1BAssets
$2.4BLoans
$2.0BShares
$245.4MNet 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 0.85%, up 2 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.39% of loans (-21 bps YoY).
  • Capital: net worth / assets of 7.98%, down 57 bps from a year ago.
  • Funding: loans stand at 118.40% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.85%+2 bps YoY

Net Interest Margin (quarter, annualized)

3.19%+24 bps YoY

Efficiency Ratio (quarter, annualized)

72.58%-445 bps YoY

Net Worth / Assets

7.98%-57 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.68%0.60%0.90%0.85%+2 bps
Return on Equity9.72%8.46%7.74%11.09%10.63%+91 bps
Net Interest Margin2.95%2.83%2.79%2.85%3.19%+24 bps
Efficiency Ratio77.03%75.79%74.50%74.27%72.58%-445 bps
Growth
Asset Growth (YoY)9.83%18.73%16.14%7.92%15.41%+558 bps
Loan Growth (YoY)15.06%22.32%7.15%5.88%17.23%+218 bps
Share Growth (YoY)2.16%3.16%3.98%3.01%0.82%-134 bps
Asset Quality
Delinquent Loans / Loans0.60%0.58%0.48%0.40%0.39%-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 Capital8.55%8.05%7.81%8.09%7.98%-57 bps
Net Worth / Assets8.55%8.05%7.81%8.09%7.98%-57 bps
Liquidity & Funding
Loans / Shares101.82%111.42%101.56%108.75%118.40%+1,658 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps