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 | |