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First Financial

Albuquerque, NM · Charter 68244

NCUA · 21 branches

Q2 2026

$1.1BAssets
$751.4MLoans
$1.0BShares
$90.2MNet 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 0.29%, down 3 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 1.40% of loans (+42 bps YoY).
  • Capital: net worth / assets of 8.01%, down 206 bps from a year ago.
  • Funding: loans stand at 73.78% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.29%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+31 bps YoY

Efficiency Ratio (YTD, annualized)

85.54%-105 bps YoY

Net Worth / Assets

8.01%-206 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.65%0.53%-0.10%0.29%-3 bps
Return on Equity3.16%7.89%6.52%-1.23%3.65%+49 bps
Net Interest Margin3.66%3.45%3.49%3.67%3.97%+31 bps
Efficiency Ratio86.59%81.14%81.92%88.51%85.54%-105 bps
Growth
Asset Growth (YoY)8.07%17.34%21.14%17.24%13.95%+588 bps
Loan Growth (YoY)-0.26%4.01%5.68%10.19%13.29%+1,355 bps
Share Growth (YoY)8.72%17.79%20.19%17.45%14.20%+548 bps
Asset Quality
Delinquent Loans / Loans0.98%1.34%1.44%1.13%1.40%+42 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 Capital10.07%8.28%8.12%7.95%8.01%-206 bps
Net Worth / Assets10.07%8.28%8.12%7.95%8.01%-206 bps
Liquidity & Funding
Loans / Shares74.38%71.46%70.45%71.06%73.78%-59 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps