PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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