Panama City, FL · Charter 10754
NCUA · 10 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
85
Asset Quality
93
Profitability
64
Liquidity
0
Efficiency
89
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.
Panama City, FL · Charter 10754
NCUA · 10 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.59% | 0.99% | 0.76% | 1.21% | 1.27% | 1.15% | 1.04% | 1.41% | +20 bps | |
| Return on Equity | 13.18% | 8.25% | 6.44% | 9.84% | 9.76% | 8.79% | 7.86% | 10.37% | +53 bps | |
| Net Interest Margin | 2.51% | 2.08% | 2.60% | 2.70% | 2.86% | 2.68% | 3.02% | 3.02% | +32 bps | |
| Efficiency Ratio | 57.81% | 68.27% | 68.48% | 62.13% | 61.01% | 64.15% | 63.82% | 59.39% | -275 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.05% | -1.38% | 1.72% | 1.83% | -1.77% | -0.28% | -2.01% | -1.03% | -286 bps | |
| Loan Growth (YoY) | 4.79% | 3.61% | -3.46% | -4.15% | -2.66% | -3.06% | -2.31% | 0.98% | +512 bps | |
| Share Growth (YoY) | 3.65% | 4.08% | 5.79% | 3.87% | -1.70% | -2.85% | -3.13% | -1.46% | -533 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.26% | 0.22% | 0.25% | 0.19% | 0.34% | 0.28% | 0.26% | +1 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 | 12.08% | 12.00% | 11.81% | 12.31% | 12.97% | 13.14% | 13.20% | 13.61% | +131 bps | |
| Net Worth / Assets | 12.08% | 12.00% | 11.81% | 12.31% | 12.97% | 13.14% | 13.20% | 13.61% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.41% | 60.63% | 57.70% | 58.14% | 60.81% | 60.50% | 58.19% | 59.58% | +144 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Panama City, FL · Charter 10754 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 10 branches
Q2 2026
Return on Assets
1.41%
Rank 51 of 435
Net Interest Margin
3.02%
Rank 326 of 435
Efficiency Ratio
59.39%
Rank 51 of 435
Equity / Assets
13.61%
Rank 67 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.41% | 0.55% | 0.81% | 1.14% | Beats 88% | 51 / 435 | ||
| Return on Equity | 10.37% | 5.12% | 7.41% | 9.70% | Beats 80% | 88 / 435 | ||
| Net Interest Margin | 3.02% | 3.01% | 3.39% | 3.75% | Beats 25% | 326 / 435 | ||
| Efficiency Ratio | 59.39% | 65.25% | 71.39% | 77.86% | Beats 89% | 51 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.26% | 0.45% | 0.69% | 1.05% | Beats 93% | 33 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.61% | 9.81% | 10.84% | 12.63% | Beats 85% | 67 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.61% | 9.81% | 10.84% | 12.63% | Beats 85% | 67 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.58% | 78.33% | 88.38% | 95.61% | 6th pctl | 407 / 435 | ||
| Loans / Assets | 50.52% | 67.69% | 74.58% | 80.80% | 6th pctl | 408 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||