PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Community

Coquille, OR · Charter 68530

NCUA · 28 branches

Q2 2026

$1.9BAssets
$1.3BLoans
$1.6BShares
$237.6MNet 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 1.31%, up 11 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.04% of loans (-2 bps YoY).
  • Capital: net worth / assets of 12.55%, up 5 bps from a year ago.
  • Funding: loans stand at 80.96% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.31%+11 bps YoY

Net Interest Margin (quarter, annualized)

3.41%+11 bps YoY

Efficiency Ratio (quarter, annualized)

68.12%-168 bps YoY

Net Worth / Assets

12.55%+5 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.22%1.19%1.46%1.31%+11 bps
Return on Equity9.61%9.60%9.03%11.40%10.44%+83 bps
Net Interest Margin3.30%3.37%3.49%3.53%3.41%+11 bps
Efficiency Ratio69.80%69.52%70.84%66.80%68.12%-168 bps
Growth
Asset Growth (YoY)3.05%3.77%2.14%5.72%9.97%+691 bps
Loan Growth (YoY)14.96%15.48%16.60%12.95%12.14%-282 bps
Share Growth (YoY)2.19%2.84%2.32%2.36%7.19%+500 bps
Asset Quality
Delinquent Loans / Loans0.06%0.05%0.06%0.05%0.04%-2 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 Capital12.50%12.73%13.15%12.79%12.55%+5 bps
Net Worth / Assets12.50%12.73%13.15%12.79%12.55%+5 bps
Liquidity & Funding
Loans / Shares77.38%76.84%86.64%85.09%80.96%+358 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps