Trax
Tampa, FL · Charter 24703 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$485.1MAssets
$216.1MLoans
$416.4MShares
$62.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 53% of credit unions under $1B in assets (rank 785 of 1682).
- Widest gap: net interest margin trails 87% of credit unions under $1B in assets (rank 1472 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.28%
Rank 1,329 of 1,683
Net Interest Margin
2.96%
Rank 1,472 of 1,683
Efficiency Ratio
77.13%
Rank 785 of 1,682
Equity / Assets
12.98%
Rank 822 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.28% | 0.35% | 0.74% | 1.18% | Beats 21% | 1,329 / 1,683 | |
| Return on Equity | 2.14% | 2.67% | 5.89% | 8.74% | Beats 21% | 1,333 / 1,681 | |
| Net Interest Margin | 2.96% | 3.31% | 3.82% | 4.32% | Beats 13% | 1,472 / 1,683 | |
| Efficiency Ratio | 77.13% | 68.91% | 78.20% | 86.93% | Beats 53% | 785 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.80% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,408 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.98% | 10.44% | 12.89% | 16.53% | Beats 51% | 822 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.98% | 10.44% | 12.89% | 16.53% | Beats 51% | 822 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 51.91% | 52.61% | 69.38% | 83.50% | 24th pctl | 1,284 / 1,683 | |
| Loans / Assets | 44.56% | 44.71% | 59.18% | 70.72% | 25th pctl | 1,266 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |