Pensacola, FL · Charter 61160
NCUA · 7 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
70
Asset Quality
64
Profitability
75
Liquidity
43
Efficiency
82
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.
Pensacola, FL · Charter 61160
NCUA · 7 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 | 1.30% | 1.33% | 1.67% | 1.55% | 1.45% | 1.59% | 1.83% | 1.66% | +11 bps | |
| Return on Equity | 9.39% | 9.48% | 11.85% | 10.83% | 9.84% | 10.72% | 12.11% | 10.79% | -4 bps | |
| Net Interest Margin | 3.94% | 3.92% | 3.82% | 3.82% | 3.87% | 3.84% | 3.78% | 3.83% | +1 bps | |
| Efficiency Ratio | 68.53% | 66.90% | 61.41% | 64.76% | 66.81% | 64.48% | 63.92% | 65.49% | +74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.26% | 2.21% | 2.41% | 4.78% | 5.18% | 5.90% | 4.49% | 3.30% | -148 bps | |
| Loan Growth (YoY) | 0.90% | -1.13% | -2.24% | -0.96% | -1.30% | -3.37% | -3.12% | -1.37% | -41 bps | |
| Share Growth (YoY) | -1.16% | 0.96% | 0.65% | 3.41% | 3.97% | 4.25% | 3.04% | 1.76% | -166 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.34% | 0.17% | 0.17% | 0.34% | 0.37% | 0.43% | 0.43% | +26 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 | 13.88% | 14.08% | 14.13% | 14.27% | 14.72% | 14.81% | 15.08% | 15.39% | +112 bps | |
| Net Worth / Assets | 13.88% | 14.08% | 14.13% | 14.27% | 14.72% | 14.81% | 15.08% | 15.39% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.76% | 55.96% | 54.01% | 53.46% | 52.93% | 51.87% | 50.78% | 51.81% | -164 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pensacola, FL · Charter 61160 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
Return on Assets
1.66%
Rank 177 of 1,683
Net Interest Margin
3.83%
Rank 835 of 1,683
Efficiency Ratio
65.50%
Rank 309 of 1,682
Equity / Assets
15.39%
Rank 512 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.66% | 0.35% | 0.74% | 1.18% | Beats 89% | 177 / 1,683 | ||
| Return on Equity | 10.79% | 2.67% | 5.89% | 8.74% | Beats 87% | 220 / 1,681 | ||
| Net Interest Margin | 3.83% | 3.31% | 3.82% | 4.32% | Beats 50% | 835 / 1,683 | ||
| Efficiency Ratio | 65.50% | 68.91% | 78.20% | 86.93% | Beats 82% | 309 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.43% | 0.26% | 0.65% | 1.29% | Beats 64% | 611 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.39% | 10.44% | 12.89% | 16.53% | Beats 70% | 512 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.39% | 10.44% | 12.89% | 16.53% | Beats 70% | 512 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.81% | 52.61% | 69.38% | 83.50% | 24th pctl | 1,285 / 1,683 | ||
| Loans / Assets | 43.56% | 44.71% | 59.18% | 70.72% | 24th pctl | 1,282 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||