Dunedin, FL · Charter 60087
NCUA · 29 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 | 0.56% | 0.56% | 0.65% | 0.91% | 0.89% | 0.79% | 0.86% | 0.93% | +2 bps | |
| Return on Equity | 5.68% | 5.72% | 6.78% | 9.26% | 8.78% | 7.92% | 8.61% | 9.39% | +13 bps | |
| Net Interest Margin | 2.93% | 3.02% | 3.40% | 3.41% | 3.51% | 3.47% | 3.46% | 3.45% | +3 bps | |
| Efficiency Ratio | 76.52% | 76.66% | 74.57% | 73.18% | 73.26% | 74.14% | 71.52% | 71.13% | -206 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.21% | 2.90% | 5.69% | 6.75% | 4.84% | 5.95% | 4.48% | 6.52% | -24 bps | |
| Loan Growth (YoY) | 0.21% | 3.08% | 8.07% | 8.49% | 10.42% | 8.97% | 8.49% | 13.18% | +468 bps | |
| Share Growth (YoY) | 2.85% | 4.29% | 5.26% | 6.32% | 4.08% | 2.79% | 3.38% | 2.75% | -358 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.45% | 0.22% | 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 | 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 | 9.89% | 9.86% | 9.64% | 9.83% | 10.15% | 10.02% | 9.98% | 9.94% | +11 bps | |
| Net Worth / Assets | 9.89% | 9.86% | 9.64% | 9.83% | 10.15% | 10.02% | 9.98% | 9.94% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.44% | 80.87% | 81.08% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |