PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Local 606 Electrical Workers

Orlando, FL · Charter 16979

NCUA · 1 branch

Q2 2026

$5.5MAssets
$1.3MLoans
$4.2MShares
$1.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.59%, up 32 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 24.18%, up 94 bps from a year ago.
  • Funding: loans stand at 29.95% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.59%+32 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+31 bps YoY

Efficiency Ratio (YTD, annualized)

87.49%-438 bps YoY

Net Worth / Assets

24.18%+94 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.36%0.33%0.52%0.59%+32 bps
Return on Equity1.17%1.49%1.37%2.10%2.46%+129 bps
Net Interest Margin3.22%3.37%3.42%3.67%3.53%+31 bps
Efficiency Ratio91.87%89.71%90.70%87.22%87.49%-438 bps
Growth
Asset Growth (YoY)-0.24%-5.76%-3.76%-8.71%-2.34%-210 bps
Loan Growth (YoY)17.86%12.07%7.20%-8.32%-14.61%-3,247 bps
Share Growth (YoY)-0.79%-7.81%-5.32%-11.78%-3.79%-300 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.25%2.30%2.39%2.60%2.39%+14 bps
Capital
Risk-Based Capital23.24%24.20%24.09%24.67%24.18%+94 bps
Net Worth / Assets23.24%24.20%24.09%24.67%24.18%+94 bps
Liquidity & Funding
Loans / Shares33.75%34.89%33.46%31.46%29.95%-380 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps