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American First

Brea, CA · Charter 68485

NCUA · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

37

Q2 2024Q2 2026peer median (50)

Asset Quality

95

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

74

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

American First

Brea, CA · Charter 68485

NCUA · 5 branches

Q2 2026

$1.4BAssets
$1.2BLoans
$1.2BShares
$138.1MNet 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 0.80%, up 71 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 0.16% of loans (-16 bps YoY).
  • Capital: net worth / assets of 10.09%, up 27 bps from a year ago.
  • Funding: loans stand at 98.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.80%+71 bps YoY

Net Interest Margin (YTD, annualized)

2.69%+31 bps YoY

Efficiency Ratio (YTD, annualized)

66.24%-2,172 bps YoY

Net Worth / Assets

10.09%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%0.29%0.39%0.81%0.80%+71 bps
Return on Equity0.92%3.10%3.62%7.89%7.90%+698 bps
Net Interest Margin2.38%2.34%2.31%2.77%2.69%+31 bps
Efficiency Ratio87.96%80.79%74.95%67.50%66.24%-2,172 bps
Growth
Asset Growth (YoY)5.72%15.20%23.91%32.59%29.16%+2,344 bps
Loan Growth (YoY)4.96%19.29%33.61%42.13%37.13%+3,218 bps
Share Growth (YoY)9.14%18.32%24.58%34.33%27.21%+1,807 bps
Asset Quality
Delinquent Loans / Loans0.32%0.24%0.15%0.12%0.16%-16 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 Capital9.82%9.26%10.69%10.33%10.09%+27 bps
Net Worth / Assets9.82%9.26%10.69%10.33%10.09%+27 bps
Liquidity & Funding
Loans / Shares91.42%94.55%97.21%96.55%98.55%+713 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

American First

Brea, CA · Charter 68485 · Peer group: credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=19)

NCUA · 5 branches

Q2 2026

$1.4BAssets
$1.2BLoans
$1.2BShares
$138.1MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 95% of credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 2 of 19).
  • Widest gap: net interest margin trails 74% of credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 14 of 19).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.80%

Rank 8 of 19

Net Interest Margin

2.69%

Rank 14 of 19

Efficiency Ratio

66.24%

Rank 6 of 19

Equity / Assets

10.09%

Rank 12 of 19

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.80%0.27%0.60%1.02%Beats 58%8 / 19
Return on Equity7.90%2.40%5.67%8.40%Beats 63%7 / 19
Net Interest Margin2.69%2.65%2.97%3.42%Beats 26%14 / 19
Efficiency Ratio66.24%64.19%77.39%85.63%Beats 74%6 / 19
Asset Quality
Nonperforming Loans / Loans0.16%0.44%0.61%0.87%Beats 95%2 / 19
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.09%9.41%10.19%11.40%Beats 37%12 / 19
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.09%9.41%10.19%11.40%Beats 37%12 / 19
Liquidity & Funding
Loans / Deposits98.55%69.76%83.28%94.64%89th pctl2 / 19
Loans / Assets85.01%53.33%68.68%78.95%89th pctl2 / 19
Brokered Deposits / Depositsn/aNot reported for this institution