Loyalty
Pensacola, FL · Charter 62417 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$300.3MAssets
$167.2MLoans
$263.8MShares
$34.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 79% of credit unions under $1B in assets (rank 361 of 1683).
- Widest gap: equity / assets trails 63% of credit unions under $1B in assets (rank 1061 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 8-Qtr Trend | 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 |