Tampa, FL · Charter 4395
NCUA · 4 branches
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 | 1.31% | 0.62% | 0.31% | -0.59% | -0.21% | -151 bps | |
| Return on Equity | 11.64% | 5.48% | 2.82% | -5.47% | -1.88% | -1,351 bps | |
| Net Interest Margin | 2.95% | 3.12% | 3.15% | 3.19% | 3.23% | +28 bps | |
| Efficiency Ratio | 70.17% | 77.75% | 84.00% | 101.46% | 101.39% | +3,122 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.50% | 3.69% | 4.78% | 0.90% | -2.72% | -822 bps | |
| Loan Growth (YoY) | -0.37% | 10.15% | 9.93% | 2.86% | 1.45% | +181 bps | |
| Share Growth (YoY) | 3.45% | 2.58% | 2.61% | -0.12% | -3.55% | -700 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.40% | 0.59% | 0.34% | 0.17% | 0.21% | -19 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 | 11.23% | 11.29% | 11.11% | 10.82% | 11.03% | -20 bps | |
| Net Worth / Assets | 11.23% | 11.29% | 11.11% | 10.82% | 11.03% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.22% | 41.42% | 40.72% | 38.53% | 39.15% | +193 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |