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First Choice

New Castle, PA · Charter 8229

NCUA · 3 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 Pittsburgh, PA 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 Pittsburgh, PA area (n=78). 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

27

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

79

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 Choice

New Castle, PA · Charter 8229

NCUA · 3 branches

Q2 2026

$94.5MAssets
$53.8MLoans
$81.8MShares
$11.9MNet 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 1.67%, up 7 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.79% of loans (+6 bps YoY).
  • Capital: net worth / assets of 12.57%, up 150 bps from a year ago.
  • Funding: loans stand at 65.77% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.67%+7 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+12 bps YoY

Efficiency Ratio (YTD, annualized)

62.37%+64 bps YoY

Net Worth / Assets

12.57%+150 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.60%1.63%1.41%1.74%1.67%+7 bps
Return on Equity14.42%14.32%12.07%14.20%13.29%-114 bps
Net Interest Margin4.12%4.13%3.47%4.17%4.23%+12 bps
Efficiency Ratio61.73%62.94%62.70%62.91%62.37%+64 bps
Growth
Asset Growth (YoY)9.84%9.49%26.91%22.67%22.65%+1,282 bps
Loan Growth (YoY)-6.73%-7.78%8.23%7.12%8.68%+1,541 bps
Share Growth (YoY)9.40%9.06%26.05%21.21%21.14%+1,174 bps
Asset Quality
Delinquent Loans / Loans0.72%0.95%1.13%1.22%0.79%+6 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 Capital11.07%11.35%11.65%12.24%12.57%+150 bps
Net Worth / Assets11.07%11.35%11.65%12.24%12.57%+150 bps
Liquidity & Funding
Loans / Shares73.31%70.46%66.43%66.19%65.77%-754 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 Choice

New Castle, PA · Charter 8229 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)

NCUA · 3 branches

Q2 2026

$94.5MAssets
$53.8MLoans
$81.8MShares
$11.9MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 96% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 3 of 78).
  • Widest gap: equity / assets trails 73% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 57 of 78).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.67%

Rank 13 of 78

Net Interest Margin

4.23%

Rank 19 of 78

Efficiency Ratio

62.38%

Rank 17 of 78

Equity / Assets

12.57%

Rank 57 of 78

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.67%0.37%0.83%1.31%Beats 83%13 / 78
Return on Equity13.28%1.73%5.71%9.08%Beats 96%3 / 78
Net Interest Margin4.23%3.17%3.63%4.21%Beats 76%19 / 78
Efficiency Ratio62.38%65.01%78.15%89.28%Beats 79%17 / 78
Asset Quality
Nonperforming Loans / Loans0.79%0.40%0.84%1.97%Beats 54%37 / 78
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.57%12.42%15.10%18.27%Beats 27%57 / 78
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.57%12.42%15.10%18.27%Beats 27%57 / 78
Liquidity & Funding
Loans / Deposits65.77%34.83%50.41%71.84%71st pctl23 / 78
Loans / Assets56.96%29.34%41.02%56.96%74th pctl20 / 78
Brokered Deposits / Depositsn/aNot reported for this institution