Tampa, FL · Charter 378
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.47% | 0.47% | 0.07% | 0.27% | -4 bps | |
| Return on Equity | 1.20% | 1.79% | 1.80% | 0.27% | 1.00% | -21 bps | |
| Net Interest Margin | 4.47% | 4.64% | 4.70% | 4.46% | 4.56% | +9 bps | |
| Efficiency Ratio | 93.54% | 90.52% | 90.49% | 98.48% | 94.46% | +92 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.08% | -5.94% | -6.46% | -5.08% | -3.29% | +279 bps | |
| Loan Growth (YoY) | 15.42% | 5.57% | -1.89% | -1.80% | -10.43% | -2,585 bps | |
| Share Growth (YoY) | -10.08% | -8.62% | -9.49% | -7.73% | -6.03% | +405 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.10% | 0.34% | 0.40% | +40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.75% | 0.81% | 0.84% | 0.83% | +11 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.44% | 26.04% | 26.41% | 26.33% | 26.76% | +132 bps | |
| Net Worth / Assets | 25.44% | 26.04% | 26.41% | 26.33% | 26.76% | +132 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.05% | 52.31% | 51.12% | 49.81% | 50.57% | -248 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |