Tallahassee, FL · Charter 15175
NCUA · 2 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
21
Asset Quality
37
Profitability
29
Liquidity
61
Efficiency
20
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.
Tallahassee, FL · Charter 15175
NCUA · 2 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 | 0.08% | 0.17% | 0.49% | 0.57% | 0.56% | 0.45% | 0.30% | 0.10% | -46 bps | |
| Return on Equity | 0.76% | 1.66% | 4.93% | 5.53% | 5.44% | 4.48% | 3.04% | 1.02% | -451 bps | |
| Net Interest Margin | 3.47% | 3.60% | 3.74% | 3.89% | 3.86% | 3.81% | 3.83% | 3.94% | +6 bps | |
| Efficiency Ratio | 90.37% | 89.29% | 78.45% | 80.62% | 80.95% | 81.74% | 87.80% | 89.01% | +839 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.41% | -3.20% | -2.00% | -0.17% | 1.54% | 4.66% | 2.99% | 2.74% | +291 bps | |
| Loan Growth (YoY) | -5.94% | -5.76% | -6.76% | -4.08% | -1.17% | -0.27% | -1.61% | -1.59% | +250 bps | |
| Share Growth (YoY) | -3.75% | -3.27% | -1.74% | -0.05% | 1.34% | 4.46% | 3.25% | 2.84% | +288 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.37% | 0.39% | 0.61% | 0.82% | 0.71% | 0.43% | 0.91% | +31 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 | 9.98% | 10.10% | 9.94% | 10.25% | 10.22% | 9.97% | 9.92% | 10.07% | -18 bps | |
| Net Worth / Assets | 9.98% | 10.10% | 9.94% | 10.25% | 10.22% | 9.97% | 9.92% | 10.07% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.33% | 82.99% | 79.67% | 81.85% | 81.28% | 79.23% | 75.92% | 78.33% | -352 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tallahassee, FL · Charter 15175 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.10%
Rank 1,443 of 1,683
Net Interest Margin
3.94%
Rank 715 of 1,683
Efficiency Ratio
89.02%
Rank 1,350 of 1,682
Equity / Assets
10.07%
Rank 1,325 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.10% | 0.35% | 0.74% | 1.18% | Beats 14% | 1,443 / 1,683 | ||
| Return on Equity | 1.02% | 2.67% | 5.89% | 8.74% | Beats 15% | 1,427 / 1,681 | ||
| Net Interest Margin | 3.94% | 3.31% | 3.82% | 4.32% | Beats 58% | 715 / 1,683 | ||
| Efficiency Ratio | 89.02% | 68.91% | 78.20% | 86.93% | Beats 20% | 1,350 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.92% | 0.26% | 0.65% | 1.29% | Beats 37% | 1,061 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.07% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,325 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.07% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,325 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.33% | 52.61% | 69.38% | 83.50% | 66th pctl | 565 / 1,683 | ||
| Loans / Assets | 69.70% | 44.71% | 59.18% | 70.72% | 73rd pctl | 456 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||