PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

1st Street

Sarasota, FL · Charter 67309

NCUA · 1 branch

Q2 2026

$34.5MAssets
$12.2MLoans
$29.2MShares
$5.1MNet 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 0.86%, down 77 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.10% of loans (-22 bps YoY).
  • Capital: net worth / assets of 14.66%, down 47 bps from a year ago.
  • Funding: loans stand at 42.00% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.86%-77 bps YoY

Net Interest Margin (quarter, annualized)

3.47%+1 bps YoY

Efficiency Ratio (quarter, annualized)

77.60%+2,268 bps YoY

Net Worth / Assets

14.66%-47 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.63%1.27%1.26%0.62%0.86%-77 bps
Return on Equity10.78%8.18%8.17%4.22%5.89%-489 bps
Net Interest Margin3.46%3.51%3.51%3.19%3.47%+1 bps
Efficiency Ratio54.92%66.20%67.41%79.98%77.60%+2,268 bps
Growth
Asset Growth (YoY)-6.81%-4.05%-1.19%4.48%8.46%+1,526 bps
Loan Growth (YoY)0.37%-1.69%0.34%-0.05%-3.24%-361 bps
Share Growth (YoY)-11.17%-6.43%-2.92%4.40%11.91%+2,307 bps
Asset Quality
Delinquent Loans / Loans0.32%0.59%0.19%0.12%0.10%-22 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 Capital15.13%15.54%15.46%14.67%14.66%-47 bps
Net Worth / Assets15.13%15.54%15.46%14.67%14.66%-47 bps
Liquidity & Funding
Loans / Shares48.57%47.62%47.04%43.40%42.00%-657 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps