Melbourne, FL · Charter 67297
NCUA · 67 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 | 0.68% | 0.55% | 0.59% | 0.74% | 0.93% | 0.82% | 0.62% | 0.79% | +5 bps | |
| Return on Equity | 6.39% | 5.19% | 5.62% | 6.95% | 8.31% | 7.37% | 5.60% | 6.89% | -6 bps | |
| Net Interest Margin | 2.82% | 2.88% | 2.99% | 3.11% | 3.30% | 3.27% | 3.24% | 3.35% | +24 bps | |
| Efficiency Ratio | 64.35% | 66.34% | 67.30% | 66.21% | 63.59% | 65.19% | 68.69% | 64.99% | -122 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.47% | -1.58% | -2.17% | 0.86% | 1.14% | 3.54% | 3.07% | -0.12% | -98 bps | |
| Loan Growth (YoY) | -5.96% | 0.26% | 2.31% | 2.22% | 2.27% | 1.61% | -4.31% | -4.24% | -646 bps | |
| Share Growth (YoY) | 5.76% | 5.94% | -1.70% | -0.53% | 0.78% | 3.92% | 6.43% | 6.45% | +698 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.63% | 0.52% | 0.61% | 0.64% | 0.70% | 0.63% | 0.80% | +19 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 | 10.68% | 10.67% | 10.57% | 10.62% | 11.24% | 11.06% | 11.01% | 11.41% | +80 bps | |
| Net Worth / Assets | 10.68% | 10.67% | 10.57% | 10.62% | 11.24% | 11.06% | 11.01% | 11.41% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.88% | 102.56% | 105.06% | 107.94% | 100.34% | 100.28% | 94.46% | 97.10% | -1,085 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |