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 | |