PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Publix Employees

Lakeland, FL · Charter 23020

NCUA · 11 branches

Q2 2026

$1.8BAssets
$1.1BLoans
$1.6BShares
$203.3MNet 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 0.93%, down 19 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.48% of loans (+28 bps YoY).
  • Capital: net worth / assets of 11.29%, down 35 bps from a year ago.
  • Funding: loans stand at 68.90% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.93%-19 bps YoY

Net Interest Margin (YTD, annualized)

3.40%-12 bps YoY

Efficiency Ratio (YTD, annualized)

71.10%+106 bps YoY

Net Worth / Assets

11.29%-35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.10%1.10%0.90%0.93%-19 bps
Return on Equity9.57%9.39%9.47%8.08%8.21%-135 bps
Net Interest Margin3.52%3.51%3.46%3.30%3.40%-12 bps
Efficiency Ratio70.04%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 / Loans0.20%0.26%0.43%0.39%0.48%+28 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 Capital11.64%11.72%11.62%11.18%11.29%-35 bps
Net Worth / Assets11.64%11.72%11.62%11.18%11.29%-35 bps
Liquidity & Funding
Loans / Shares67.15%68.54%67.39%64.28%68.90%+175 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps