Lakeland, FL · Charter 23020
NCUA · 11 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
71
Profitability
57
Liquidity
17
Efficiency
52
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.
Lakeland, FL · Charter 23020
NCUA · 11 branches
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 | 1.11% | 1.10% | 1.10% | 0.90% | 0.93% | -19 bps | |
| Return on Equity | 9.57% | 9.39% | 9.47% | 8.08% | 8.21% | -135 bps | |
| Net Interest Margin | 3.52% | 3.51% | 3.46% | 3.30% | 3.40% | -12 bps | |
| Efficiency Ratio | 70.04% | 70.84% | 70.11% | 72.07% | 71.10% | +106 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.63% | 6.00% | 9.01% | 12.23% | 11.62% | +499 bps | |
| Loan Growth (YoY) | 27.62% | 27.85% | 24.47% | 14.90% | 14.61% | -1,300 bps | |
| Share Growth (YoY) | 11.27% | 10.69% | 7.43% | 12.42% | 11.70% | +44 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.20% | 0.26% | 0.43% | 0.39% | 0.48% | +28 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 | 11.64% | 11.72% | 11.62% | 11.18% | 11.29% | -35 bps | |
| Net Worth / Assets | 11.64% | 11.72% | 11.62% | 11.18% | 11.29% | -35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.15% | 68.54% | 67.39% | 64.28% | 68.90% | +175 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lakeland, FL · Charter 23020 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
Return on Assets
0.93%
Rank 167 of 435
Net Interest Margin
3.40%
Rank 217 of 435
Efficiency Ratio
71.10%
Rank 210 of 435
Equity / Assets
11.29%
Rank 181 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 0.55% | 0.81% | 1.14% | Beats 62% | 167 / 435 | |
| Return on Equity | 8.21% | 5.12% | 7.41% | 9.70% | Beats 58% | 181 / 435 | |
| Net Interest Margin | 3.40% | 3.01% | 3.39% | 3.75% | Beats 50% | 217 / 435 | |
| Efficiency Ratio | 71.10% | 65.25% | 71.39% | 77.86% | Beats 52% | 210 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.48% | 0.45% | 0.69% | 1.05% | Beats 71% | 125 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.29% | 9.81% | 10.84% | 12.63% | Beats 58% | 181 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.29% | 9.81% | 10.84% | 12.63% | Beats 58% | 181 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.90% | 78.33% | 88.38% | 95.61% | 12th pctl | 382 / 435 | |
| Loans / Assets | 61.37% | 67.69% | 74.58% | 80.80% | 15th pctl | 370 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||