Tampa, FL · Charter 24703
NCUA · 9 branches
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 | 0.44% | 0.42% | 0.12% | 0.16% | 0.27% | 0.37% | 0.31% | 0.28% | +12 bps | |
| Return on Equity | 3.53% | 3.43% | 1.01% | 1.29% | 2.14% | 2.90% | 2.45% | 2.14% | +85 bps | |
| Net Interest Margin | 2.69% | 2.60% | 2.43% | 2.61% | 2.69% | 2.76% | 2.75% | 2.96% | +35 bps | |
| Efficiency Ratio | 69.00% | 69.56% | 79.00% | 78.79% | 79.16% | 77.65% | 81.20% | 77.13% | -166 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.87% | 6.39% | 7.13% | 2.47% | 0.54% | -3.32% | -5.79% | -3.19% | -567 bps | |
| Loan Growth (YoY) | -7.52% | -10.85% | -13.82% | -13.45% | -8.59% | -8.51% | 1.18% | 7.60% | +2,106 bps | |
| Share Growth (YoY) | 0.49% | 7.27% | 8.20% | 2.73% | 0.09% | -4.60% | -7.41% | -4.28% | -701 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.44% | 1.78% | 1.44% | 1.45% | 1.76% | 1.85% | 1.41% | 1.80% | +35 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 | 12.45% | 12.12% | 11.78% | 12.28% | 12.54% | 12.77% | 12.78% | 12.98% | +70 bps | |
| Net Worth / Assets | 12.45% | 12.12% | 11.78% | 12.28% | 12.54% | 12.77% | 12.78% | 12.98% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.38% | 49.03% | 45.26% | 46.17% | 47.83% | 47.02% | 49.46% | 51.91% | +573 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |