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Trax

Tampa, FL · Charter 24703

NCUA · 9 branches

Q2 2026

$485.1MAssets
$216.1MLoans
$416.4MShares
$62.9MNet 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 0.28%, up 12 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 1.80% of loans (+35 bps YoY).
  • Capital: net worth / assets of 12.98%, up 70 bps from a year ago.
  • Funding: loans stand at 51.91% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.28%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+35 bps YoY

Efficiency Ratio (YTD, annualized)

77.13%-166 bps YoY

Net Worth / Assets

12.98%+70 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.16%0.27%0.37%0.31%0.28%+12 bps
Return on Equity1.29%2.14%2.90%2.45%2.14%+85 bps
Net Interest Margin2.61%2.69%2.76%2.75%2.96%+35 bps
Efficiency Ratio78.79%79.16%77.65%81.20%77.13%-166 bps
Growth
Asset Growth (YoY)2.47%0.54%-3.32%-5.79%-3.19%-567 bps
Loan Growth (YoY)-13.45%-8.59%-8.51%1.18%7.60%+2,106 bps
Share Growth (YoY)2.73%0.09%-4.60%-7.41%-4.28%-701 bps
Asset Quality
Delinquent Loans / Loans1.45%1.76%1.85%1.41%1.80%+35 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 Capital12.28%12.54%12.77%12.78%12.98%+70 bps
Net Worth / Assets12.28%12.54%12.77%12.78%12.98%+70 bps
Liquidity & Funding
Loans / Shares46.17%47.83%47.02%49.46%51.91%+573 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps