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 | |