Daytona Beach, FL · Charter 19605
NCUA · 1 branch
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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
72
Asset Quality
92
Profitability
41
Liquidity
72
Efficiency
67
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.
Daytona Beach, FL · Charter 19605
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 | 1.07% | 0.96% | 1.00% | 0.54% | 0.73% | -33 bps | |
| Return on Equity | 6.88% | 6.15% | 5.99% | 3.40% | 4.68% | -220 bps | |
| Net Interest Margin | 3.48% | 3.50% | 3.72% | 3.45% | 3.44% | -5 bps | |
| Efficiency Ratio | 77.03% | 75.93% | 76.36% | 77.26% | 72.40% | -463 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.43% | 0.85% | -2.43% | -1.07% | 4.02% | +545 bps | |
| Loan Growth (YoY) | -3.50% | -2.79% | -5.45% | -0.58% | 0.15% | +365 bps | |
| Share Growth (YoY) | -3.45% | -0.28% | -4.49% | -2.57% | 3.65% | +710 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.25% | 0.03% | 0.47% | 0.95% | 0.00% | -24 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 | 15.50% | 15.54% | 16.62% | 16.01% | 15.68% | +17 bps | |
| Net Worth / Assets | 15.50% | 15.54% | 16.62% | 16.01% | 15.68% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.98% | 63.09% | 67.72% | 64.47% | 60.85% | -213 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Daytona Beach, FL · Charter 19605 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.73%
Rank 846 of 1,683
Net Interest Margin
3.44%
Rank 1,164 of 1,683
Efficiency Ratio
72.47%
Rank 564 of 1,682
Equity / Assets
15.68%
Rank 479 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.35% | 0.74% | 1.18% | Beats 50% | 846 / 1,683 | |
| Return on Equity | 4.67% | 2.67% | 5.89% | 8.74% | Beats 41% | 991 / 1,681 | |
| Net Interest Margin | 3.44% | 3.31% | 3.82% | 4.32% | Beats 31% | 1,164 / 1,683 | |
| Efficiency Ratio | 72.47% | 68.91% | 78.20% | 86.93% | Beats 67% | 564 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.01% | 0.26% | 0.65% | 1.29% | Beats 92% | 141 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.68% | 10.44% | 12.89% | 16.53% | Beats 72% | 479 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.68% | 10.44% | 12.89% | 16.53% | Beats 72% | 479 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.85% | 52.61% | 69.38% | 83.50% | 36th pctl | 1,077 / 1,683 | |
| Loans / Assets | 51.03% | 44.71% | 59.18% | 70.72% | 36th pctl | 1,085 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||