San Antonio, FL · Charter 10699
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.96% | 1.44% | 1.38% | 1.32% | 1.09% | 1.11% | 1.13% | -25 bps | |
| Return on Equity | 10.37% | 9.81% | 14.61% | 13.36% | 12.52% | 10.24% | 10.35% | 10.24% | -312 bps | |
| Net Interest Margin | 2.74% | 2.88% | 3.39% | 3.50% | 3.48% | 3.38% | 3.53% | 3.61% | +11 bps | |
| Efficiency Ratio | 69.43% | 71.66% | 64.97% | 66.04% | 67.34% | 72.10% | 70.42% | 72.34% | +630 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.37% | 9.35% | 7.49% | 6.38% | 4.94% | 2.82% | 1.88% | 2.91% | -346 bps | |
| Loan Growth (YoY) | 5.15% | 3.57% | 2.39% | -2.80% | -1.98% | 2.25% | 11.82% | 13.69% | +1,649 bps | |
| Share Growth (YoY) | 0.96% | 6.72% | 3.73% | 2.87% | 3.50% | 0.35% | 0.54% | 1.89% | -99 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.22% | 0.08% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.77% | 9.83% | 9.89% | 10.35% | 10.50% | 10.65% | 10.69% | 11.02% | +67 bps | |
| Net Worth / Assets | 9.77% | 9.83% | 9.89% | 10.35% | 10.50% | 10.65% | 10.69% | 11.02% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.96% | 45.83% | 44.23% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |