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First Atlantic

Eatontown, NJ · Charter 82

NCUA · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

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 in the New York-Newark-Jersey City, NY-NJ area (n=158 to 159). 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

45

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

89

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

First Atlantic

Eatontown, NJ · Charter 82

NCUA · 5 branches

Q2 2026

$332.2MAssets
$197.8MLoans
$280.1MShares
$45.9MNet 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 1.75%, up 38 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.79% of loans (-42 bps YoY).
  • Capital: net worth / assets of 13.81%, up 72 bps from a year ago.
  • Funding: loans stand at 70.63% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.75%+38 bps YoY

Net Interest Margin (YTD, annualized)

3.64%-38 bps YoY

Efficiency Ratio (YTD, annualized)

58.54%-16 bps YoY

Net Worth / Assets

13.81%+72 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.54%1.48%1.61%1.75%+38 bps
Return on Equity10.46%11.42%11.10%12.07%12.65%+220 bps
Net Interest Margin4.01%3.99%3.86%3.55%3.64%-38 bps
Efficiency Ratio58.70%57.09%58.69%60.74%58.54%-16 bps
Growth
Asset Growth (YoY)5.12%6.74%7.85%8.14%7.54%+242 bps
Loan Growth (YoY)-7.03%-7.94%-5.83%-4.32%-3.49%+353 bps
Share Growth (YoY)4.49%6.19%7.50%8.00%6.59%+211 bps
Asset Quality
Delinquent Loans / Loans1.21%0.96%1.05%0.98%0.79%-42 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 Capital13.09%13.46%13.36%13.36%13.81%+72 bps
Net Worth / Assets13.09%13.46%13.36%13.36%13.81%+72 bps
Liquidity & Funding
Loans / Shares78.01%75.13%73.26%70.02%70.63%-738 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

First Atlantic

Eatontown, NJ · Charter 82 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)

NCUA · 5 branches

Q2 2026

$332.2MAssets
$197.8MLoans
$280.1MShares
$45.9MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 93% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 11 of 159).
  • Widest gap: net interest margin trails 57% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 90 of 159).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.75%

Rank 18 of 159

Net Interest Margin

3.64%

Rank 90 of 159

Efficiency Ratio

58.54%

Rank 19 of 158

Equity / Assets

13.81%

Rank 87 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.75%0.00%0.40%1.00%Beats 89%18 / 159
Return on Equity12.65%0.04%2.43%6.24%Beats 93%11 / 159
Net Interest Margin3.64%2.79%3.84%4.44%Beats 43%90 / 159
Efficiency Ratio58.54%74.21%85.84%96.50%Beats 89%19 / 158
Asset Quality
Nonperforming Loans / Loans0.79%0.42%1.27%2.96%Beats 68%52 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.81%10.80%14.61%21.35%Beats 45%87 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.81%10.80%14.61%21.35%Beats 45%87 / 159
Liquidity & Funding
Loans / Deposits70.63%27.85%44.27%75.14%71st pctl46 / 159
Loans / Assets59.55%22.38%35.34%62.74%72nd pctl45 / 159
Brokered Deposits / Depositsn/aNot reported for this institution