Panama City, FL · Charter 63262
NCUA · 4 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
63
Asset Quality
71
Profitability
38
Liquidity
79
Efficiency
37
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.
Panama City, FL · Charter 63262
NCUA · 4 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 | 0.37% | 0.41% | 0.32% | 0.51% | 0.60% | 0.68% | 0.34% | 0.40% | -10 bps | |
| Return on Equity | 2.79% | 3.04% | 2.37% | 3.65% | 4.23% | 4.74% | 2.37% | 2.82% | -83 bps | |
| Net Interest Margin | 3.60% | 3.64% | 3.70% | 3.82% | 3.93% | 4.01% | 3.94% | 4.03% | +21 bps | |
| Efficiency Ratio | 77.57% | 75.73% | 79.78% | 73.71% | 73.86% | 72.67% | 83.07% | 82.53% | +882 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.08% | -2.50% | -3.05% | -4.44% | -3.82% | -3.62% | -1.74% | -0.20% | +424 bps | |
| Loan Growth (YoY) | 0.56% | -1.75% | -2.33% | -4.02% | -4.50% | -6.33% | -5.40% | -6.10% | -208 bps | |
| Share Growth (YoY) | -2.42% | -3.45% | -4.26% | -5.64% | -4.87% | -4.33% | -1.65% | 0.32% | +596 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 1.03% | 0.90% | 0.84% | 0.46% | 0.58% | 0.45% | 0.32% | -52 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 | 13.33% | 13.38% | 13.56% | 13.90% | 14.23% | 14.37% | 14.28% | 14.35% | +45 bps | |
| Net Worth / Assets | 13.33% | 13.38% | 13.56% | 13.90% | 14.23% | 14.37% | 14.28% | 14.35% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.13% | 78.79% | 77.95% | 79.21% | 78.43% | 77.14% | 74.98% | 74.14% | -507 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Panama City, FL · Charter 63262 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.41%
Rank 1,221 of 1,683
Net Interest Margin
4.03%
Rank 649 of 1,683
Efficiency Ratio
82.53%
Rank 1,062 of 1,682
Equity / Assets
14.35%
Rank 617 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.41% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,221 / 1,683 | ||
| Return on Equity | 2.82% | 2.67% | 5.89% | 8.74% | Beats 26% | 1,237 / 1,681 | ||
| Net Interest Margin | 4.03% | 3.31% | 3.82% | 4.32% | Beats 61% | 649 / 1,683 | ||
| Efficiency Ratio | 82.53% | 68.91% | 78.20% | 86.93% | Beats 37% | 1,062 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.32% | 0.26% | 0.65% | 1.29% | Beats 71% | 487 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.35% | 10.44% | 12.89% | 16.53% | Beats 63% | 617 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.35% | 10.44% | 12.89% | 16.53% | Beats 63% | 617 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.14% | 52.61% | 69.38% | 83.50% | 59th pctl | 691 / 1,683 | ||
| Loans / Assets | 62.67% | 44.71% | 59.18% | 70.72% | 58th pctl | 710 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||