Clewiston, FL · Charter 24204
NCUA · 1 branch
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 | -0.52% | -0.24% | 0.12% | 0.56% | 0.52% | 0.59% | 0.10% | 0.52% | -4 bps | |
| Return on Equity | -5.34% | -2.44% | 1.24% | 5.83% | 5.11% | 5.84% | 0.96% | 5.03% | -80 bps | |
| Net Interest Margin | 2.96% | 3.08% | 3.13% | 3.22% | 3.45% | 3.39% | 3.37% | 3.44% | +22 bps | |
| Efficiency Ratio | 102.13% | 96.03% | 92.44% | 83.74% | 84.34% | 83.35% | 90.18% | 82.82% | -92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.31% | -2.80% | -3.08% | -0.91% | -0.78% | 1.78% | -0.55% | -2.72% | -181 bps | |
| Loan Growth (YoY) | 2.89% | -1.99% | -4.20% | -0.18% | 1.28% | 1.70% | 0.59% | -1.54% | -137 bps | |
| Share Growth (YoY) | 0.46% | -1.51% | -1.99% | -0.85% | -1.13% | 1.48% | -1.46% | -3.57% | -272 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.62% | 0.12% | 0.23% | 0.44% | 0.79% | 0.29% | 0.28% | +5 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 | 9.68% | 9.90% | 9.48% | 9.56% | 10.16% | 10.18% | 10.03% | 10.36% | +80 bps | |
| Net Worth / Assets | 9.68% | 9.90% | 9.48% | 9.56% | 10.16% | 10.18% | 10.03% | 10.36% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.42% | 69.39% | 66.32% | 68.01% | 72.14% | 69.54% | 67.71% | 69.44% | +143 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |