PackageTrendsPeer
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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