PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 (quarter, annualized)

0.80%+71 bps YoY

Net Interest Margin (quarter, annualized)

2.69%+31 bps YoY

Efficiency Ratio (quarter, annualized)

66.24%-2,172 bps YoY

Net Worth / Assets

10.09%+27 bps YoY

Discrete quarter, annualized.

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