Sweetwater, FL · Charter 24508
NCUA · 11 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.46% | 1.41% | 1.24% | 1.51% | 1.69% | +23 bps | |
| Return on Equity | 11.88% | 11.45% | 10.04% | 12.10% | 13.19% | +131 bps | |
| Net Interest Margin | 3.84% | 3.80% | 3.84% | 3.94% | 4.00% | +17 bps | |
| Efficiency Ratio | 67.70% | 66.81% | 69.70% | 67.31% | 65.32% | -238 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.31% | 6.93% | 9.70% | 8.58% | 6.97% | +366 bps | |
| Loan Growth (YoY) | 12.56% | 11.63% | 9.95% | 7.09% | 7.32% | -524 bps | |
| Share Growth (YoY) | 4.79% | 9.08% | 8.59% | 8.59% | 6.00% | +121 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.29% | 0.40% | 0.25% | 0.31% | -4 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 | 12.29% | 12.32% | 12.39% | 12.44% | 12.82% | +53 bps | |
| Net Worth / Assets | 12.29% | 12.32% | 12.39% | 12.44% | 12.82% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.45% | 91.84% | 91.38% | 89.55% | 92.59% | +114 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |