Pensacola, FL · Charter 62417
NCUA · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.25% | 1.59% | 1.24% | 1.07% | 1.02% | 0.89% | 0.98% | -25 bps | |
| Return on Equity | 0.95% | 2.32% | 14.78% | 11.21% | 9.50% | 9.12% | 7.93% | 8.48% | -273 bps | |
| Net Interest Margin | 4.64% | 4.70% | 4.41% | 4.50% | 4.52% | 4.48% | 4.35% | 4.44% | -6 bps | |
| Efficiency Ratio | 75.35% | 75.80% | 64.83% | 70.95% | 73.44% | 76.26% | 79.47% | 81.08% | +1,013 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.06% | -4.17% | -1.38% | -0.65% | 0.46% | 3.34% | 1.74% | 1.61% | +225 bps | |
| Loan Growth (YoY) | -3.98% | -2.69% | -0.95% | -0.35% | 4.14% | 5.80% | 5.39% | 7.25% | +760 bps | |
| Share Growth (YoY) | -5.90% | -4.83% | -2.39% | -2.44% | -0.72% | 1.65% | 0.81% | 1.19% | +363 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.14% | 0.91% | 0.89% | 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 | 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 | 10.50% | 10.65% | 10.73% | 11.02% | 11.22% | 11.19% | 11.25% | 11.61% | +59 bps | |
| Net Worth / Assets | 10.50% | 10.65% | 10.73% | 11.02% | 11.22% | 11.19% | 11.25% | 11.61% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.49% | 61.12% | 59.09% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |