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 | |