Defuniak Spring, FL · Charter 14186
NCUA · 1 branch
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
30
Asset Quality
63
Profitability
82
Liquidity
44
Efficiency
68
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.
Defuniak Spring, FL · Charter 14186
NCUA · 1 branch
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 | 1.28% | 1.46% | 1.17% | 1.77% | 1.68% | 1.57% | 0.99% | 1.66% | -11 bps | |
| Return on Equity | 13.39% | 14.95% | 11.95% | 17.70% | 16.14% | 14.87% | 9.68% | 15.28% | -243 bps | |
| Net Interest Margin | 4.03% | 3.97% | 3.99% | 3.93% | 4.03% | 4.00% | 3.83% | 3.93% | 0 bps | |
| Efficiency Ratio | 73.26% | 73.68% | 80.52% | 68.85% | 70.54% | 71.31% | 79.95% | 72.28% | +343 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.06% | 2.49% | 2.71% | 7.21% | 9.70% | 8.62% | 11.44% | 6.38% | -84 bps | |
| Loan Growth (YoY) | 1.46% | -3.90% | -9.86% | -7.38% | -8.27% | -3.12% | 0.81% | 1.27% | +865 bps | |
| Share Growth (YoY) | -5.36% | 1.84% | 2.07% | 6.36% | 8.60% | 7.97% | 10.71% | 5.32% | -104 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.15% | 0.24% | 0.67% | 0.73% | 1.33% | 0.96% | 0.43% | 0.45% | -28 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 | 9.53% | 9.80% | 9.80% | 10.01% | 10.44% | 10.58% | 10.26% | 10.89% | +88 bps | |
| Net Worth / Assets | 9.53% | 9.80% | 9.80% | 10.01% | 10.44% | 10.58% | 10.26% | 10.89% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.60% | 59.64% | 55.14% | 54.21% | 53.72% | 53.51% | 50.21% | 52.12% | -209 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Defuniak Spring, FL · Charter 14186 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.67%
Rank 174 of 1,683
Net Interest Margin
3.94%
Rank 728 of 1,683
Efficiency Ratio
72.19%
Rank 543 of 1,682
Equity / Assets
10.89%
Rank 1,177 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.67% | 0.35% | 0.74% | 1.18% | Beats 90% | 174 / 1,683 | ||
| Return on Equity | 15.30% | 2.67% | 5.89% | 8.74% | Beats 98% | 42 / 1,681 | ||
| Net Interest Margin | 3.94% | 3.31% | 3.82% | 4.32% | Beats 57% | 728 / 1,683 | ||
| Efficiency Ratio | 72.19% | 68.91% | 78.20% | 86.93% | Beats 68% | 543 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.45% | 0.26% | 0.65% | 1.29% | Beats 63% | 631 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.89% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,177 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.89% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,177 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.12% | 52.61% | 69.38% | 83.50% | 24th pctl | 1,275 / 1,683 | ||
| Loans / Assets | 45.99% | 44.71% | 59.18% | 70.72% | 27th pctl | 1,231 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||