PackageTrendsPeer
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Partners 1st

Fort Wayne, IN · Charter 7688

NCUA · 15 branches

Q2 2026

$545.8MAssets
$476.4MLoans
$482.9MShares
$53.5MNet 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 0.18%, down 3 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.61% of loans (+8 bps YoY).
  • Capital: net worth / assets of 9.81%, down 12 bps from a year ago.
  • Funding: loans stand at 98.67% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.18%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+23 bps YoY

Efficiency Ratio (YTD, annualized)

94.55%-46 bps YoY

Net Worth / Assets

9.81%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.27%0.27%0.00%0.18%-3 bps
Return on Equity2.12%2.64%2.69%-0.03%1.87%-26 bps
Net Interest Margin3.39%3.47%3.49%3.50%3.62%+23 bps
Efficiency Ratio95.01%93.77%93.78%96.89%94.55%-46 bps
Growth
Asset Growth (YoY)-6.05%-2.62%-0.95%1.63%2.79%+884 bps
Loan Growth (YoY)-4.02%-0.51%2.35%7.16%10.12%+1,414 bps
Share Growth (YoY)-6.71%-3.34%-1.54%1.50%2.99%+970 bps
Asset Quality
Delinquent Loans / Loans0.54%0.47%0.55%0.49%0.61%+8 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 Capital9.93%10.06%9.98%9.67%9.81%-12 bps
Net Worth / Assets9.93%10.06%9.98%9.67%9.81%-12 bps
Liquidity & Funding
Loans / Shares92.28%93.12%91.90%93.57%98.67%+639 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps