Tampa, FL · Charter 378
NCUA · 1 branch
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 | 0.22% | 0.26% | 0.09% | 0.31% | 0.47% | 0.47% | 0.07% | 0.27% | -4 bps | |
| Return on Equity | 0.92% | 1.08% | 0.37% | 1.20% | 1.79% | 1.80% | 0.27% | 1.00% | -21 bps | |
| Net Interest Margin | 4.12% | 4.15% | 4.25% | 4.47% | 4.64% | 4.70% | 4.46% | 4.56% | +9 bps | |
| Efficiency Ratio | 94.81% | 93.95% | 97.98% | 93.54% | 90.52% | 90.49% | 98.48% | 94.46% | +92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.65% | -11.68% | -3.93% | -6.08% | -5.94% | -6.46% | -5.08% | -3.29% | +279 bps | |
| Loan Growth (YoY) | 10.81% | 17.67% | 15.27% | 15.42% | 5.57% | -1.89% | -1.80% | -10.43% | -2,585 bps | |
| Share Growth (YoY) | -17.98% | -15.62% | -6.19% | -10.08% | -8.62% | -9.49% | -7.73% | -6.03% | +405 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 0.70% | 0.74% | 0.72% | 0.75% | 0.81% | 0.84% | 0.83% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.07% | 24.26% | 24.55% | 25.44% | 26.04% | 26.41% | 26.33% | 26.76% | +132 bps | |
| Net Worth / Assets | 24.07% | 24.26% | 24.55% | 25.44% | 26.04% | 26.41% | 26.33% | 26.76% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.28% | 47.16% | 46.81% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |