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Tampa, FL · Charter 196 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 25 branches
Q2 2026
$3.1BAssets
$2.7BLoans
$2.7BShares
$338.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 64% of credit unions $1B-$10B in assets (rank 155 of 435).
- Widest gap: return on equity trails 92% of credit unions $1B-$10B in assets (rank 400 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 8-Qtr Trend | 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 |