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Panama City, FL · Charter 63262 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$159.9MAssets
$100.2MLoans
$135.2MShares
$22.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 71% of credit unions under $1B in assets (rank 487 of 1682).
- Widest gap: return on equity trails 74% of credit unions under $1B in assets (rank 1237 of 1681).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 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 |