Key West, FL · Charter 4135
NCUA · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
39
Profitability
43
Liquidity
51
Efficiency
60
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Key West, FL · Charter 4135
NCUA · 6 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.05% | 0.33% | 0.33% | 0.44% | 0.51% | 0.02% | 0.28% | -5 bps | |
| Return on Equity | 10.63% | 9.47% | 3.08% | 3.06% | 3.95% | 4.53% | 0.20% | 2.54% | -52 bps | |
| Net Interest Margin | 4.33% | 4.39% | 4.44% | 4.62% | 4.73% | 4.72% | 4.50% | 4.64% | +2 bps | |
| Efficiency Ratio | 73.68% | 72.54% | 69.78% | 72.57% | 70.46% | 71.20% | 79.30% | 74.87% | +230 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.91% | -1.83% | 0.28% | -0.21% | 0.04% | 0.32% | -2.12% | -1.31% | -111 bps | |
| Loan Growth (YoY) | -5.32% | -3.49% | -0.61% | 2.24% | 0.88% | -0.23% | -1.52% | -3.19% | -543 bps | |
| Share Growth (YoY) | -5.34% | -3.29% | -2.20% | -1.96% | -2.01% | -1.86% | -2.98% | -2.25% | -28 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 2.02% | 0.72% | 0.89% | 1.77% | 1.61% | 0.99% | 0.88% | -1 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 | 10.88% | 11.10% | 10.57% | 10.65% | 11.08% | 11.28% | 10.93% | 10.98% | +34 bps | |
| Net Worth / Assets | 10.88% | 11.10% | 10.57% | 10.65% | 11.08% | 11.28% | 10.93% | 10.98% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.92% | 80.63% | 77.99% | 81.41% | 82.28% | 81.97% | 79.16% | 80.63% | -79 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Key West, FL · Charter 4135 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
0.28%
Rank 1,328 of 1,683
Net Interest Margin
4.64%
Rank 269 of 1,683
Efficiency Ratio
74.88%
Rank 671 of 1,682
Equity / Assets
10.98%
Rank 1,157 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.28% | 0.35% | 0.74% | 1.18% | Beats 21% | 1,328 / 1,683 | ||
| Return on Equity | 2.54% | 2.67% | 5.89% | 8.74% | Beats 23% | 1,287 / 1,681 | ||
| Net Interest Margin | 4.64% | 3.31% | 3.82% | 4.32% | Beats 84% | 269 / 1,683 | ||
| Efficiency Ratio | 74.88% | 68.91% | 78.20% | 86.93% | Beats 60% | 671 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.88% | 0.26% | 0.65% | 1.29% | Beats 39% | 1,029 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.98% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,157 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.98% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,157 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.63% | 52.61% | 69.38% | 83.50% | 70th pctl | 498 / 1,683 | ||
| Loans / Assets | 69.62% | 44.71% | 59.18% | 70.72% | 73rd pctl | 458 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||