Dunedin, FL · Charter 60087
NCUA · 29 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
86
Profitability
63
Liquidity
91
Efficiency
52
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.
Dunedin, FL · Charter 60087
NCUA · 29 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 | 0.91% | 0.89% | 0.79% | 0.86% | 0.93% | +2 bps | |
| Return on Equity | 9.26% | 8.78% | 7.92% | 8.61% | 9.39% | +13 bps | |
| Net Interest Margin | 3.41% | 3.51% | 3.47% | 3.46% | 3.45% | +3 bps | |
| Efficiency Ratio | 73.18% | 73.26% | 74.14% | 71.52% | 71.13% | -206 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.75% | 4.84% | 5.95% | 4.48% | 6.52% | -24 bps | |
| Loan Growth (YoY) | 8.49% | 10.42% | 8.97% | 8.49% | 13.18% | +468 bps | |
| Share Growth (YoY) | 6.32% | 4.08% | 2.79% | 3.38% | 2.75% | -358 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.25% | 0.25% | 0.32% | 0.35% | +6 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 | 9.83% | 10.15% | 10.02% | 9.98% | 9.94% | +11 bps | |
| Net Worth / Assets | 9.83% | 10.15% | 10.02% | 9.98% | 9.94% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.37% | 84.28% | 85.73% | 85.09% | 89.63% | +826 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dunedin, FL · Charter 60087 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 29 branches
Q2 2026
Return on Assets
0.93%
Rank 164 of 435
Net Interest Margin
3.45%
Rank 196 of 435
Efficiency Ratio
71.13%
Rank 211 of 435
Equity / Assets
9.94%
Rank 308 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 0.55% | 0.81% | 1.14% | Beats 62% | 164 / 435 | |
| Return on Equity | 9.39% | 5.12% | 7.41% | 9.70% | Beats 73% | 118 / 435 | |
| Net Interest Margin | 3.45% | 3.01% | 3.39% | 3.75% | Beats 55% | 196 / 435 | |
| Efficiency Ratio | 71.13% | 65.25% | 71.39% | 77.86% | Beats 52% | 211 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.35% | 0.45% | 0.69% | 1.05% | Beats 86% | 63 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.94% | 9.81% | 10.84% | 12.63% | Beats 29% | 308 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.94% | 9.81% | 10.84% | 12.63% | Beats 29% | 308 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.63% | 78.33% | 88.38% | 95.61% | 55th pctl | 196 / 435 | |
| Loans / Assets | 78.56% | 67.69% | 74.58% | 80.80% | 64th pctl | 157 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||