PackageTrendsPeer
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First Flight

Cary, NC · Charter 7870

NCUA · 6 branches

Q2 2026

$283.8MAssets
$168.9MLoans
$249.4MShares
$31.4MNet 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 0.75%, down 4 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 0.66% of loans (+14 bps YoY).
  • Capital: net worth / assets of 11.06%, down 67 bps from a year ago.
  • Funding: loans stand at 67.71% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.75%-4 bps YoY

Net Interest Margin (quarter, annualized)

4.16%-14 bps YoY

Efficiency Ratio (quarter, annualized)

76.51%-111 bps YoY

Net Worth / Assets

11.06%-67 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.71%0.46%0.30%0.75%-4 bps
Return on Equity6.68%6.11%4.09%2.74%6.75%+7 bps
Net Interest Margin4.30%4.26%4.20%4.11%4.16%-14 bps
Efficiency Ratio77.62%77.08%82.48%80.96%76.51%-111 bps
Growth
Asset Growth (YoY)7.71%8.19%9.07%10.15%9.52%+182 bps
Loan Growth (YoY)12.87%9.78%9.00%9.79%8.61%-426 bps
Share Growth (YoY)9.38%9.20%9.37%10.61%9.80%+42 bps
Asset Quality
Delinquent Loans / Loans0.52%0.75%1.00%0.82%0.66%+14 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 Capital11.73%11.63%11.27%11.09%11.06%-67 bps
Net Worth / Assets11.73%11.63%11.27%11.09%11.06%-67 bps
Liquidity & Funding
Loans / Shares68.46%70.18%69.84%68.29%67.71%-75 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps