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Letter portraitLegal landscapeQuarterYTD

Friends and Family Credit Union Inc.

Massillon, OH · Charter 96750

NCUA · 3 branches

Q2 2026

$111.0MAssets
$79.1MLoans
$101.7MShares
$9.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.20%, down 6 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.32% of loans (+12 bps YoY).
  • Capital: net worth / assets of 8.08%, up 7 bps from a year ago.
  • Funding: loans stand at 77.76% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.20%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.73%+50 bps YoY

Efficiency Ratio (YTD, annualized)

93.69%+208 bps YoY

Net Worth / Assets

8.08%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.34%0.31%0.26%0.27%0.28%0.20%0.20%-6 bps
Return on Equity3.51%4.25%3.97%3.27%3.27%3.50%2.50%2.50%-78 bps
Net Interest Margin3.11%3.37%4.17%3.22%3.28%3.28%4.23%3.73%+50 bps
Efficiency Ratio92.20%91.42%93.09%91.60%92.14%91.58%94.33%93.69%+208 bps
Growth
Asset Growth (YoY)-1.28%-0.30%1.34%0.52%1.93%1.45%0.00%2.28%+176 bps
Loan Growth (YoY)0.12%-1.00%-2.26%-4.02%-3.83%-2.48%-4.77%2.84%+686 bps
Share Growth (YoY)0.24%1.21%3.22%2.31%1.64%1.15%-0.30%2.25%-6 bps
Asset Quality
Delinquent Loans / Loans0.23%0.24%0.20%0.20%0.24%0.46%0.35%0.32%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.96%7.97%7.84%8.02%8.10%8.14%8.10%8.08%+7 bps
Net Worth / Assets7.96%7.97%7.84%8.02%8.10%8.14%8.10%8.08%+7 bps
Liquidity & Funding
Loans / Shares81.98%79.14%76.68%77.32%77.57%76.30%73.24%77.76%+45 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps