Rockledge, FL · Charter 60816
NCUA · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.32% | 0.20% | 0.41% | 0.54% | 0.51% | 0.34% | 0.50% | +9 bps | |
| Return on Equity | 3.76% | 2.90% | 1.79% | 3.77% | 4.95% | 4.66% | 3.03% | 4.42% | +65 bps | |
| Net Interest Margin | 2.56% | 2.51% | 2.80% | 2.88% | 2.91% | 2.92% | 2.93% | 3.21% | +33 bps | |
| Efficiency Ratio | 73.92% | 75.54% | 80.31% | 75.92% | 74.61% | 75.96% | 79.87% | 75.83% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.21% | 7.31% | -0.14% | 4.19% | 5.67% | 6.10% | 6.10% | 1.68% | -251 bps | |
| Loan Growth (YoY) | 6.57% | 7.10% | 6.95% | 6.91% | 6.76% | 7.32% | 8.08% | 8.68% | +177 bps | |
| Share Growth (YoY) | 13.56% | 9.26% | -0.30% | 4.76% | 6.69% | 7.47% | 7.93% | 2.47% | -229 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.27% | 0.25% | 0.33% | 0.28% | 0.37% | 0.26% | 0.22% | -12 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 | 11.14% | 11.08% | 11.19% | 10.90% | 10.93% | 10.93% | 11.07% | 11.25% | +36 bps | |
| Net Worth / Assets | 11.14% | 11.08% | 11.19% | 10.90% | 10.93% | 10.93% | 11.07% | 11.25% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.82% | 88.59% | 90.60% | 87.43% | 85.88% | 88.46% | 90.73% | 92.73% | +530 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |