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

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.

Return on Assets (quarter, annualized)

0.59%+32 bps YoY

Net Interest Margin (quarter, annualized)

3.53%+31 bps YoY

Efficiency Ratio (quarter, annualized)

87.49%-438 bps YoY

Net Worth / Assets

24.18%+94 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.43%0.23%0.27%0.36%0.33%0.52%0.59%+32 bps
Return on Equity2.26%1.89%1.02%1.17%1.49%1.37%2.10%2.46%+129 bps
Net Interest Margin3.09%3.17%3.02%3.22%3.37%3.42%3.67%3.53%+31 bps
Efficiency Ratio84.20%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 / Loans0.02%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.55%2.65%2.49%2.25%2.30%2.39%2.60%2.39%+14 bps
Capital
Risk-Based Capital22.51%22.86%22.23%23.24%24.20%24.09%24.67%24.18%+94 bps
Net Worth / Assets22.51%22.86%22.23%23.24%24.20%24.09%24.67%24.18%+94 bps
Liquidity & Funding
Loans / Shares28.70%29.55%30.28%33.75%34.89%33.46%31.46%29.95%-380 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps