PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gte

Tampa, FL · Charter 196

NCUA · 25 branches

Q2 2026

$3.1BAssets
$2.7BLoans
$2.7BShares
$338.2MNet 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 0.25%, down 16 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 1.08% of loans (+13 bps YoY).
  • Capital: net worth / assets of 10.85%, down 63 bps from a year ago.
  • Funding: loans stand at 99.39% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.25%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.60%-12 bps YoY

Efficiency Ratio (YTD, annualized)

76.86%+156 bps YoY

Net Worth / Assets

10.85%-63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.47%0.41%0.21%0.25%-16 bps
Return on Equity3.55%4.01%3.68%2.00%2.29%-126 bps
Net Interest Margin3.72%3.77%3.68%3.54%3.60%-12 bps
Efficiency Ratio75.29%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 / Loans0.95%0.89%1.08%0.96%1.08%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.48%11.62%11.18%10.72%10.85%-63 bps
Net Worth / Assets11.48%11.62%11.18%10.72%10.85%-63 bps
Liquidity & Funding
Loans / Shares96.57%95.13%95.44%94.81%99.39%+282 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps