PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Santa Rosa County

Milton, FL · Charter 11780

NCUA · 5 branches

Q2 2026

$223.0MAssets
$87.5MLoans
$195.7MShares
$30.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.12%, up 7 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 1.18% of loans (+2 bps YoY).
  • Capital: net worth / assets of 13.62%, up 46 bps from a year ago.
  • Funding: loans stand at 44.73% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.12%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+5 bps YoY

Efficiency Ratio (YTD, annualized)

72.20%+253 bps YoY

Net Worth / Assets

13.62%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.10%1.09%1.08%1.12%+7 bps
Return on Equity7.95%8.13%8.01%8.04%8.22%+27 bps
Net Interest Margin3.44%3.52%3.49%3.50%3.49%+5 bps
Efficiency Ratio69.68%69.65%69.75%72.39%72.20%+253 bps
Growth
Asset Growth (YoY)4.24%3.71%6.23%5.53%5.21%+97 bps
Loan Growth (YoY)-5.71%-3.98%-2.36%0.59%3.43%+914 bps
Share Growth (YoY)1.78%2.60%4.25%4.32%3.87%+209 bps
Asset Quality
Delinquent Loans / Loans1.17%0.90%1.40%1.14%1.18%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.16%13.49%13.55%13.44%13.62%+46 bps
Net Worth / Assets13.16%13.49%13.55%13.44%13.62%+46 bps
Liquidity & Funding
Loans / Shares44.92%45.85%45.37%45.13%44.73%-19 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps