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 | |