Tallahassee, FL · Charter 187
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.51% | 0.56% | 0.48% | -1.37% | -1.78% | -429 bps | |
| Return on Equity | 18.09% | 4.18% | 3.66% | -10.81% | -15.02% | -3,311 bps | |
| Net Interest Margin | 4.62% | 4.67% | 4.66% | 4.19% | 4.16% | -46 bps | |
| Efficiency Ratio | 58.06% | 71.60% | 79.06% | 108.71% | 114.56% | +5,651 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.67% | -5.41% | -6.37% | -3.31% | -0.53% | +314 bps | |
| Loan Growth (YoY) | -5.82% | -2.68% | 0.01% | -2.71% | 2.71% | +854 bps | |
| Share Growth (YoY) | -2.10% | -3.03% | -4.01% | -2.09% | -1.21% | +89 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.03% | 5.09% | 6.34% | 4.01% | 3.46% | +43 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.87% | 13.36% | 13.10% | 12.64% | 11.88% | -199 bps | |
| Net Worth / Assets | 13.87% | 13.36% | 13.10% | 12.64% | 11.88% | -199 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.83% | 43.93% | 44.54% | 43.95% | 44.53% | +170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |