Crestview, FL · Charter 13534
NCUA · 5 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 | 0.78% | 0.69% | 0.35% | 0.49% | 0.46% | 0.42% | 0.31% | 0.31% | -18 bps | |
| Return on Equity | 8.06% | 7.31% | 3.67% | 5.12% | 4.73% | 4.38% | 3.27% | 3.25% | -187 bps | |
| Net Interest Margin | 3.83% | 3.75% | 3.67% | 3.65% | 3.67% | 3.66% | 3.46% | 3.49% | -16 bps | |
| Efficiency Ratio | 76.87% | 76.69% | 80.02% | 81.55% | 82.60% | 83.03% | 87.03% | 86.98% | +544 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | 5.24% | 5.26% | 5.94% | 4.68% | 1.89% | 3.03% | 3.29% | -265 bps | |
| Loan Growth (YoY) | 4.51% | 1.17% | -2.29% | -6.29% | -8.42% | -9.73% | -8.30% | -5.13% | +116 bps | |
| Share Growth (YoY) | 1.29% | 5.36% | 5.65% | 6.21% | 4.63% | 1.78% | 2.88% | 3.25% | -296 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.55% | 1.59% | 1.78% | 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 | 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 | 9.65% | 9.46% | 9.43% | 9.49% | 9.62% | 9.65% | 9.50% | 9.46% | -3 bps | |
| Net Worth / Assets | 9.65% | 9.46% | 9.43% | 9.49% | 9.62% | 9.65% | 9.50% | 9.46% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.15% | 53.45% | 51.40% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |