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 | |