San Antonio, FL · Charter 10699
NCUA · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
74
Profitability
65
Liquidity
37
Efficiency
67
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.
San Antonio, FL · Charter 10699
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.38% | 1.32% | 1.09% | 1.11% | 1.13% | -25 bps | |
| Return on Equity | 13.36% | 12.52% | 10.24% | 10.35% | 10.24% | -312 bps | |
| Net Interest Margin | 3.50% | 3.48% | 3.38% | 3.53% | 3.61% | +11 bps | |
| Efficiency Ratio | 66.04% | 67.34% | 72.10% | 70.42% | 72.34% | +630 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.38% | 4.94% | 2.82% | 1.88% | 2.91% | -346 bps | |
| Loan Growth (YoY) | -2.80% | -1.98% | 2.25% | 11.82% | 13.69% | +1,649 bps | |
| Share Growth (YoY) | 2.87% | 3.50% | 0.35% | 0.54% | 1.89% | -99 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.09% | 0.26% | 0.24% | 0.28% | +13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.35% | 10.50% | 10.65% | 10.69% | 11.02% | +67 bps | |
| Net Worth / Assets | 10.35% | 10.50% | 10.65% | 10.69% | 11.02% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.93% | 44.47% | 46.69% | 49.19% | 50.13% | +521 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Antonio, FL · Charter 10699 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
1.13%
Rank 475 of 1,683
Net Interest Margin
3.61%
Rank 1,026 of 1,683
Efficiency Ratio
72.33%
Rank 553 of 1,682
Equity / Assets
11.02%
Rank 1,148 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.13% | 0.35% | 0.74% | 1.18% | Beats 72% | 475 / 1,683 | |
| Return on Equity | 10.24% | 2.67% | 5.89% | 8.74% | Beats 84% | 266 / 1,681 | |
| Net Interest Margin | 3.61% | 3.31% | 3.82% | 4.32% | Beats 39% | 1,026 / 1,683 | |
| Efficiency Ratio | 72.33% | 68.91% | 78.20% | 86.93% | Beats 67% | 553 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.28% | 0.26% | 0.65% | 1.29% | Beats 74% | 439 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.02% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,148 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.02% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,148 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.13% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,321 / 1,683 | |
| Loans / Assets | 44.73% | 44.71% | 59.18% | 70.72% | 25th pctl | 1,262 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||