PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Usf Federal Credit Union

Tampa, FL · Charter 24223

NCUA · 11 branches

Q2 2026

$1.4BAssets
$1.2BLoans
$1.2BShares
$149.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.36%, up 6 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.77% of loans (-1 bps YoY).
  • Capital: net worth / assets of 10.62%, down 5 bps from a year ago.
  • Funding: loans stand at 101.14% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.36%+6 bps YoY

Net Interest Margin (quarter, annualized)

3.62%-13 bps YoY

Efficiency Ratio (quarter, annualized)

75.10%-157 bps YoY

Net Worth / Assets

10.62%-5 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.27%0.35%0.30%0.27%0.30%0.25%0.36%+6 bps
Return on Equity2.43%2.95%3.19%2.85%2.49%2.80%2.29%3.40%+54 bps
Net Interest Margin3.70%3.59%3.78%3.76%3.81%3.59%3.68%3.62%-13 bps
Efficiency Ratio79.19%77.75%78.21%76.67%75.77%74.10%75.18%75.10%-157 bps
Growth
Asset Growth (YoY)3.10%7.48%9.63%11.86%12.78%14.79%9.44%9.54%-232 bps
Loan Growth (YoY)6.02%11.83%11.96%14.85%15.07%12.25%15.50%10.32%-453 bps
Share Growth (YoY)4.75%10.68%10.32%12.35%13.49%14.91%11.87%10.24%-210 bps
Asset Quality
Delinquent Loans / Loans0.87%0.67%0.59%0.78%0.87%0.99%0.80%0.77%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.35%8.99%10.88%10.67%10.65%10.63%10.78%10.62%-5 bps
Net Worth / Assets9.35%8.99%10.88%10.67%10.65%10.63%10.78%10.62%-5 bps
Liquidity & Funding
Loans / Shares101.57%98.38%96.68%101.06%102.98%96.09%99.83%101.14%+7 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps