PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Walton County Teachers

Defuniak Spring, FL · Charter 14186

NCUA · 1 branch

Q2 2026

$30.1MAssets
$13.9MLoans
$26.6MShares
$3.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.66%, down 11 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.45% of loans (-28 bps YoY).
  • Capital: net worth / assets of 10.89%, up 88 bps from a year ago.
  • Funding: loans stand at 52.12% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.66%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.93%0 bps YoY

Efficiency Ratio (YTD, annualized)

72.28%+343 bps YoY

Net Worth / Assets

10.89%+88 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.46%1.17%1.77%1.68%1.57%0.99%1.66%-11 bps
Return on Equity13.39%14.95%11.95%17.70%16.14%14.87%9.68%15.28%-243 bps
Net Interest Margin4.03%3.97%3.99%3.93%4.03%4.00%3.83%3.93%0 bps
Efficiency Ratio73.26%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 / Loans2.15%0.24%0.67%0.73%1.33%0.96%0.43%0.45%-28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.53%9.80%9.80%10.01%10.44%10.58%10.26%10.89%+88 bps
Net Worth / Assets9.53%9.80%9.80%10.01%10.44%10.58%10.26%10.89%+88 bps
Liquidity & Funding
Loans / Shares63.60%59.64%55.14%54.21%53.72%53.51%50.21%52.12%-209 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps