Key West, FL · Charter 4135
NCUA · 6 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.44% | 0.51% | 0.02% | 0.28% | -5 bps | |
| Return on Equity | 3.06% | 3.95% | 4.53% | 0.20% | 2.54% | -52 bps | |
| Net Interest Margin | 4.62% | 4.73% | 4.72% | 4.50% | 4.64% | +2 bps | |
| Efficiency Ratio | 72.57% | 70.46% | 71.20% | 79.30% | 74.87% | +230 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.21% | 0.04% | 0.32% | -2.12% | -1.31% | -111 bps | |
| Loan Growth (YoY) | 2.24% | 0.88% | -0.23% | -1.52% | -3.19% | -543 bps | |
| Share Growth (YoY) | -1.96% | -2.01% | -1.86% | -2.98% | -2.25% | -28 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.65% | 11.08% | 11.28% | 10.93% | 10.98% | +34 bps | |
| Net Worth / Assets | 10.65% | 11.08% | 11.28% | 10.93% | 10.98% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |