PackageTrendsPeer
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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