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 | |