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America's First Network

East Hartford, CT · Charter 68680

NCUA · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

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 under $1B in assets (n=1,681 to 1,683). 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

30

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

13

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

America's First Network

East Hartford, CT · Charter 68680

NCUA · 11 branches

Q2 2026

$105.5MAssets
$64.2MLoans
$93.4MShares
$11.5MNet 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 0.23%, down 14 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 1.21% of loans (-4 bps YoY).
  • Capital: net worth / assets of 10.86%, up 14 bps from a year ago.
  • Funding: loans stand at 68.80% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.23%-14 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+24 bps YoY

Efficiency Ratio (YTD, annualized)

93.06%+202 bps YoY

Net Worth / Assets

10.86%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.30%0.30%0.12%0.23%-14 bps
Return on Equity3.53%2.74%2.73%1.10%2.16%-137 bps
Net Interest Margin3.82%3.98%4.07%3.97%4.06%+24 bps
Efficiency Ratio91.04%90.68%90.89%97.19%93.06%+202 bps
Growth
Asset Growth (YoY)20.75%19.91%16.92%17.26%2.42%-1,832 bps
Loan Growth (YoY)6.93%10.19%10.71%11.56%9.06%+214 bps
Share Growth (YoY)21.59%20.35%16.98%17.57%2.50%-1,910 bps
Asset Quality
Delinquent Loans / Loans1.26%0.98%1.07%0.93%1.21%-4 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 Capital10.72%10.81%11.04%10.74%10.86%+14 bps
Net Worth / Assets10.72%10.81%11.04%10.74%10.86%+14 bps
Liquidity & Funding
Loans / Shares64.66%67.41%68.21%67.38%68.80%+414 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

America's First Network

East Hartford, CT · Charter 68680 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 11 branches

Q2 2026

$105.5MAssets
$64.2MLoans
$93.4MShares
$11.5MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 63% of credit unions under $1B in assets (rank 621 of 1683).
  • Widest gap: efficiency ratio trails 87% of credit unions under $1B in assets (rank 1461 of 1682).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.24%

Rank 1,359 of 1,683

Net Interest Margin

4.06%

Rank 621 of 1,683

Efficiency Ratio

93.04%

Rank 1,461 of 1,682

Equity / Assets

10.86%

Rank 1,179 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.24%0.35%0.74%1.18%Beats 19%1,359 / 1,683
Return on Equity2.16%2.67%5.89%8.74%Beats 21%1,327 / 1,681
Net Interest Margin4.06%3.31%3.82%4.32%Beats 63%621 / 1,683
Efficiency Ratio93.04%68.91%78.20%86.93%Beats 13%1,461 / 1,682
Asset Quality
Nonperforming Loans / Loans1.21%0.26%0.65%1.29%Beats 27%1,235 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.86%10.44%12.89%16.53%Beats 30%1,179 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.86%10.44%12.89%16.53%Beats 30%1,179 / 1,683
Liquidity & Funding
Loans / Deposits68.80%52.61%69.38%83.50%49th pctl857 / 1,683
Loans / Assets60.91%44.71%59.18%70.72%54th pctl775 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution