Pensacola, FL · Charter 62417
NCUA · 8 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
37
Asset Quality
50
Profitability
72
Liquidity
80
Efficiency
41
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 62417
NCUA · 8 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 1.07% | 1.02% | 0.89% | 0.98% | -25 bps | |
| Return on Equity | 11.21% | 9.50% | 9.12% | 7.93% | 8.48% | -273 bps | |
| Net Interest Margin | 4.50% | 4.52% | 4.48% | 4.35% | 4.44% | -6 bps | |
| Efficiency Ratio | 70.95% | 73.44% | 76.26% | 79.47% | 81.08% | +1,013 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.65% | 0.46% | 3.34% | 1.74% | 1.61% | +225 bps | |
| Loan Growth (YoY) | -0.35% | 4.14% | 5.80% | 5.39% | 7.25% | +760 bps | |
| Share Growth (YoY) | -2.44% | -0.72% | 1.65% | 0.81% | 1.19% | +363 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.81% | 0.73% | 0.80% | 0.50% | 0.66% | -15 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.02% | 11.22% | 11.19% | 11.25% | 11.61% | +59 bps | |
| Net Worth / Assets | 11.02% | 11.22% | 11.19% | 11.25% | 11.61% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.80% | 62.41% | 63.61% | 61.77% | 63.38% | +358 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pensacola, FL · Charter 62417 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
0.99%
Rank 609 of 1,683
Net Interest Margin
4.44%
Rank 361 of 1,683
Efficiency Ratio
81.09%
Rank 986 of 1,682
Equity / Assets
11.61%
Rank 1,061 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 0.35% | 0.74% | 1.18% | Beats 64% | 609 / 1,683 | |
| Return on Equity | 8.48% | 2.67% | 5.89% | 8.74% | Beats 73% | 453 / 1,681 | |
| Net Interest Margin | 4.44% | 3.31% | 3.82% | 4.32% | Beats 79% | 361 / 1,683 | |
| Efficiency Ratio | 81.09% | 68.91% | 78.20% | 86.93% | Beats 41% | 986 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.66% | 0.26% | 0.65% | 1.29% | Beats 50% | 849 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.61% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,061 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.61% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,061 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.38% | 52.61% | 69.38% | 83.50% | 40th pctl | 1,010 / 1,683 | |
| Loans / Assets | 55.66% | 44.71% | 59.18% | 70.72% | 43rd pctl | 963 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||