PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First U.S. Community

Sacramento, CA · Charter 68474

NCUA · 6 branches

Q2 2026

$547.9MAssets
$359.1MLoans
$481.9MShares
$65.5MNet 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 0.32%, down 28 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.92% of loans (+66 bps YoY).
  • Capital: net worth / assets of 11.95%, up 17 bps from a year ago.
  • Funding: loans stand at 74.53% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.32%-28 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+29 bps YoY

Efficiency Ratio (YTD, annualized)

84.71%+204 bps YoY

Net Worth / Assets

11.95%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.61%0.48%-0.27%0.32%-28 bps
Return on Equity5.09%5.12%4.04%-2.28%2.69%-239 bps
Net Interest Margin2.82%2.88%2.90%3.05%3.12%+29 bps
Efficiency Ratio82.67%81.47%82.01%84.61%84.71%+204 bps
Growth
Asset Growth (YoY)0.36%0.08%2.02%0.30%0.78%+42 bps
Loan Growth (YoY)0.69%-1.60%-1.06%-0.85%2.27%+158 bps
Share Growth (YoY)-0.75%-0.69%1.34%-0.31%0.30%+105 bps
Asset Quality
Delinquent Loans / Loans0.26%0.30%0.60%0.71%0.92%+66 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 Capital11.78%11.92%11.86%11.67%11.95%+17 bps
Net Worth / Assets11.78%11.92%11.86%11.67%11.95%+17 bps
Liquidity & Funding
Loans / Shares73.09%72.01%72.54%71.70%74.53%+144 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps