PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First City

Pasadena, CA · Charter 68503

NCUA · 8 branches

Q2 2026

$948.5MAssets
$465.1MLoans
$816.2MShares
$128.3MNet 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 0.44%, up 4 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.58% of loans (-3 bps YoY).
  • Capital: net worth / assets of 13.52%, up 10 bps from a year ago.
  • Funding: loans stand at 56.99% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.44%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+29 bps YoY

Efficiency Ratio (YTD, annualized)

80.19%-127 bps YoY

Net Worth / Assets

13.52%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.34%0.35%0.41%0.44%+4 bps
Return on Equity2.94%2.54%2.59%3.07%3.24%+30 bps
Net Interest Margin3.03%3.11%3.14%3.24%3.31%+29 bps
Efficiency Ratio81.46%81.42%81.97%78.54%80.19%-127 bps
Growth
Asset Growth (YoY)4.71%2.15%5.52%2.72%1.85%-286 bps
Loan Growth (YoY)6.75%11.54%7.33%10.66%11.57%+481 bps
Share Growth (YoY)3.99%1.63%4.11%1.34%0.87%-312 bps
Asset Quality
Delinquent Loans / Loans0.61%0.32%0.42%0.56%0.58%-3 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 Capital13.42%13.54%13.46%13.35%13.52%+10 bps
Net Worth / Assets13.42%13.54%13.46%13.35%13.52%+10 bps
Liquidity & Funding
Loans / Shares51.52%55.32%55.28%55.88%56.99%+547 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps