Defuniak Spring, FL · Charter 14186
NCUA · 1 branch
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 | 1.77% | 1.68% | 1.57% | 0.99% | 1.66% | -11 bps | |
| Return on Equity | 17.70% | 16.14% | 14.87% | 9.68% | 15.28% | -243 bps | |
| Net Interest Margin | 3.93% | 4.03% | 4.00% | 3.83% | 3.93% | 0 bps | |
| Efficiency Ratio | 68.85% | 70.54% | 71.31% | 79.95% | 72.28% | +343 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.21% | 9.70% | 8.62% | 11.44% | 6.38% | -84 bps | |
| Loan Growth (YoY) | -7.38% | -8.27% | -3.12% | 0.81% | 1.27% | +865 bps | |
| Share Growth (YoY) | 6.36% | 8.60% | 7.97% | 10.71% | 5.32% | -104 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.01% | 10.44% | 10.58% | 10.26% | 10.89% | +88 bps | |
| Net Worth / Assets | 10.01% | 10.44% | 10.58% | 10.26% | 10.89% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |