Gainesville, FL · Charter 60497
NCUA · 16 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
76
Asset Quality
41
Profitability
82
Liquidity
43
Efficiency
94
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.
Gainesville, FL · Charter 60497
NCUA · 16 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 | 1.53% | 1.53% | 1.45% | 1.52% | 1.51% | 1.52% | 1.42% | 1.42% | -10 bps | |
| Return on Equity | 11.91% | 11.84% | 11.43% | 11.73% | 11.71% | 11.91% | 11.23% | 11.18% | -55 bps | |
| Net Interest Margin | 3.84% | 3.79% | 3.78% | 3.87% | 3.82% | 3.72% | 3.71% | 3.68% | -19 bps | |
| Efficiency Ratio | 56.00% | 55.43% | 55.72% | 54.58% | 53.77% | 52.95% | 54.80% | 55.12% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.34% | 8.79% | 11.57% | 10.61% | 12.97% | 15.10% | 13.90% | 15.63% | +502 bps | |
| Loan Growth (YoY) | 9.29% | 9.96% | 10.88% | 12.41% | 13.98% | 14.48% | 13.19% | 14.25% | +185 bps | |
| Share Growth (YoY) | 8.14% | 9.53% | 12.05% | 10.95% | 13.47% | 15.61% | 14.35% | 16.36% | +541 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.69% | 0.53% | 0.63% | 0.69% | 0.79% | 0.68% | 0.80% | +16 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 | 12.83% | 12.96% | 12.72% | 12.97% | 12.86% | 12.78% | 12.67% | 12.70% | -27 bps | |
| Net Worth / Assets | 12.83% | 12.96% | 12.72% | 12.97% | 12.86% | 12.78% | 12.67% | 12.70% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.30% | 96.86% | 94.47% | 98.10% | 96.74% | 95.91% | 93.52% | 96.33% | -177 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Gainesville, FL · Charter 60497 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
Return on Assets
1.42%
Rank 49 of 435
Net Interest Margin
3.68%
Rank 124 of 435
Efficiency Ratio
55.12%
Rank 27 of 435
Equity / Assets
12.70%
Rank 105 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.42% | 0.55% | 0.81% | 1.14% | Beats 89% | 49 / 435 | ||
| Return on Equity | 11.18% | 5.12% | 7.41% | 9.70% | Beats 85% | 64 / 435 | ||
| Net Interest Margin | 3.68% | 3.01% | 3.39% | 3.75% | Beats 71% | 124 / 435 | ||
| Efficiency Ratio | 55.12% | 65.25% | 71.39% | 77.86% | Beats 94% | 27 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.80% | 0.45% | 0.69% | 1.05% | Beats 41% | 256 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.70% | 9.81% | 10.84% | 12.63% | Beats 76% | 104 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.70% | 9.81% | 10.84% | 12.63% | Beats 76% | 105 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.33% | 78.33% | 88.38% | 95.61% | 77th pctl | 101 / 435 | ||
| Loans / Assets | 81.45% | 67.69% | 74.58% | 80.80% | 79th pctl | 93 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||