Tampa, FL · Charter 196
NCUA · 25 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.31% | 0.24% | 0.41% | 0.47% | 0.41% | 0.21% | 0.25% | -16 bps | |
| Return on Equity | 2.33% | 2.81% | 2.19% | 3.55% | 4.01% | 3.68% | 2.00% | 2.29% | -126 bps | |
| Net Interest Margin | 3.44% | 3.37% | 3.56% | 3.72% | 3.77% | 3.68% | 3.54% | 3.60% | -12 bps | |
| Efficiency Ratio | 77.15% | 73.63% | 78.18% | 75.29% | 74.19% | 74.20% | 77.29% | 76.86% | +156 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.50% | -0.76% | 0.01% | 0.99% | 1.17% | 1.59% | 5.77% | 6.97% | +598 bps | |
| Loan Growth (YoY) | 1.20% | -0.38% | 3.98% | 4.83% | 1.95% | 3.07% | 5.68% | 9.62% | +480 bps | |
| Share Growth (YoY) | -5.48% | 2.76% | 3.38% | 1.20% | 4.86% | 2.63% | 5.81% | 6.51% | +531 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.06% | 1.03% | 0.79% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.52% | 11.16% | 11.15% | 11.48% | 11.62% | 11.18% | 10.72% | 10.85% | -63 bps | |
| Net Worth / Assets | 11.52% | 11.16% | 11.15% | 11.48% | 11.62% | 11.18% | 10.72% | 10.85% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.85% | 95.04% | 94.93% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |