Orlando, FL · Charter 16979
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
93
Asset Quality
100
Profitability
32
Liquidity
0
Efficiency
23
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.
Orlando, FL · Charter 16979
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 | 0.51% | 0.43% | 0.23% | 0.27% | 0.36% | 0.33% | 0.52% | 0.59% | +32 bps | |
| Return on Equity | 2.26% | 1.89% | 1.02% | 1.17% | 1.49% | 1.37% | 2.10% | 2.46% | +129 bps | |
| Net Interest Margin | 3.09% | 3.17% | 3.02% | 3.22% | 3.37% | 3.42% | 3.67% | 3.53% | +31 bps | |
| Efficiency Ratio | 84.20% | 85.88% | 92.68% | 91.87% | 89.71% | 90.70% | 87.22% | 87.49% | -438 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.40% | -2.43% | 2.31% | -0.24% | -5.76% | -3.76% | -8.71% | -2.34% | -210 bps | |
| Loan Growth (YoY) | -0.94% | 4.20% | 9.86% | 17.86% | 12.07% | 7.20% | -8.32% | -14.61% | -3,247 bps | |
| Share Growth (YoY) | -3.34% | -3.78% | 2.47% | -0.79% | -7.81% | -5.32% | -11.78% | -3.79% | -300 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.55% | 2.65% | 2.49% | 2.25% | 2.30% | 2.39% | 2.60% | 2.39% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.51% | 22.86% | 22.23% | 23.24% | 24.20% | 24.09% | 24.67% | 24.18% | +94 bps | |
| Net Worth / Assets | 22.51% | 22.86% | 22.23% | 23.24% | 24.20% | 24.09% | 24.67% | 24.18% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.70% | 29.55% | 30.28% | 33.75% | 34.89% | 33.46% | 31.46% | 29.95% | -380 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Orlando, FL · Charter 16979 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.58%
Rank 1,044 of 1,683
Net Interest Margin
3.53%
Rank 1,096 of 1,683
Efficiency Ratio
87.74%
Rank 1,296 of 1,682
Equity / Assets
24.18%
Rank 112 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.58% | 0.35% | 0.74% | 1.18% | Beats 38% | 1,044 / 1,683 | ||
| Return on Equity | 2.38% | 2.67% | 5.89% | 8.74% | Beats 23% | 1,300 / 1,681 | ||
| Net Interest Margin | 3.53% | 3.31% | 3.82% | 4.32% | Beats 35% | 1,096 / 1,683 | ||
| Efficiency Ratio | 87.74% | 68.91% | 78.20% | 86.93% | Beats 23% | 1,296 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.18% | 10.44% | 12.89% | 16.53% | Beats 93% | 112 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 24.18% | 10.44% | 12.89% | 16.53% | Beats 93% | 112 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 29.96% | 52.61% | 69.38% | 83.50% | 5th pctl | 1,598 / 1,683 | ||
| Loans / Assets | 22.60% | 44.71% | 59.18% | 70.72% | 4th pctl | 1,618 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||