Tampa, FL · Charter 196
NCUA · 25 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
24
Profitability
27
Liquidity
21
Efficiency
28
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.
Tampa, FL · Charter 196
NCUA · 25 branches
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 | 0.41% | 0.47% | 0.41% | 0.21% | 0.25% | -16 bps | |
| Return on Equity | 3.55% | 4.01% | 3.68% | 2.00% | 2.29% | -126 bps | |
| Net Interest Margin | 3.72% | 3.77% | 3.68% | 3.54% | 3.60% | -12 bps | |
| Efficiency Ratio | 75.29% | 74.19% | 74.20% | 77.29% | 76.86% | +156 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.99% | 1.17% | 1.59% | 5.77% | 6.97% | +598 bps | |
| Loan Growth (YoY) | 4.83% | 1.95% | 3.07% | 5.68% | 9.62% | +480 bps | |
| Share Growth (YoY) | 1.20% | 4.86% | 2.63% | 5.81% | 6.51% | +531 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.95% | 0.89% | 1.08% | 0.96% | 1.08% | +13 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 | 11.48% | 11.62% | 11.18% | 10.72% | 10.85% | -63 bps | |
| Net Worth / Assets | 11.48% | 11.62% | 11.18% | 10.72% | 10.85% | -63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.57% | 95.13% | 95.44% | 94.81% | 99.39% | +282 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tampa, FL · Charter 196 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 25 branches
Q2 2026
Return on Assets
0.25%
Rank 402 of 435
Net Interest Margin
3.60%
Rank 155 of 435
Efficiency Ratio
76.86%
Rank 314 of 435
Equity / Assets
10.85%
Rank 217 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.55% | 0.81% | 1.14% | Beats 8% | 402 / 435 | |
| Return on Equity | 2.29% | 5.12% | 7.41% | 9.70% | Beats 8% | 400 / 435 | |
| Net Interest Margin | 3.60% | 3.01% | 3.39% | 3.75% | Beats 64% | 155 / 435 | |
| Efficiency Ratio | 76.86% | 65.25% | 71.39% | 77.86% | Beats 28% | 314 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.08% | 0.45% | 0.69% | 1.05% | Beats 24% | 333 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.85% | 9.81% | 10.84% | 12.63% | Beats 50% | 217 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.85% | 9.81% | 10.84% | 12.63% | Beats 50% | 217 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.39% | 78.33% | 88.38% | 95.61% | 83rd pctl | 75 / 435 | |
| Loans / Assets | 86.90% | 67.69% | 74.58% | 80.80% | 94th pctl | 26 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||