Crestview, FL · Charter 13534
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
15
Asset Quality
23
Profitability
28
Liquidity
22
Efficiency
25
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.
Crestview, FL · Charter 13534
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 | 0.49% | 0.46% | 0.42% | 0.31% | 0.31% | -18 bps | |
| Return on Equity | 5.12% | 4.73% | 4.38% | 3.27% | 3.25% | -187 bps | |
| Net Interest Margin | 3.65% | 3.67% | 3.66% | 3.46% | 3.49% | -16 bps | |
| Efficiency Ratio | 81.55% | 82.60% | 83.03% | 87.03% | 86.98% | +544 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.94% | 4.68% | 1.89% | 3.03% | 3.29% | -265 bps | |
| Loan Growth (YoY) | -6.29% | -8.42% | -9.73% | -8.30% | -5.13% | +116 bps | |
| Share Growth (YoY) | 6.21% | 4.63% | 1.78% | 2.88% | 3.25% | -296 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.23% | 1.22% | 1.62% | 1.44% | 1.39% | +16 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 | 9.49% | 9.62% | 9.65% | 9.50% | 9.46% | -3 bps | |
| Net Worth / Assets | 9.49% | 9.62% | 9.65% | 9.50% | 9.46% | -3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.30% | 48.27% | 47.40% | 45.82% | 45.30% | -400 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Crestview, FL · Charter 13534 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.31%
Rank 1,306 of 1,683
Net Interest Margin
3.49%
Rank 1,132 of 1,683
Efficiency Ratio
86.98%
Rank 1,263 of 1,682
Equity / Assets
9.46%
Rank 1,433 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,306 / 1,683 | |
| Return on Equity | 3.25% | 2.67% | 5.89% | 8.74% | Beats 30% | 1,184 / 1,681 | |
| Net Interest Margin | 3.49% | 3.31% | 3.82% | 4.32% | Beats 33% | 1,132 / 1,683 | |
| Efficiency Ratio | 86.98% | 68.91% | 78.20% | 86.93% | Beats 25% | 1,263 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.39% | 0.26% | 0.65% | 1.29% | Beats 23% | 1,294 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.46% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,433 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.46% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,433 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 45.30% | 52.61% | 69.38% | 83.50% | 17th pctl | 1,398 / 1,683 | |
| Loans / Assets | 40.58% | 44.71% | 59.18% | 70.72% | 20th pctl | 1,346 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||