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 | |