Sarasota, FL · Charter 67309
NCUA · 1 branch
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
65
Asset Quality
86
Profitability
46
Liquidity
11
Efficiency
52
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.
Sarasota, FL · Charter 67309
NCUA · 1 branch
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 | 1.33% | 0.83% | 2.35% | 1.63% | 1.27% | 1.26% | 0.62% | 0.86% | -77 bps | |
| Return on Equity | 9.57% | 5.94% | 16.02% | 10.78% | 8.18% | 8.17% | 4.22% | 5.89% | -489 bps | |
| Net Interest Margin | 3.07% | 3.23% | 3.38% | 3.46% | 3.51% | 3.51% | 3.19% | 3.47% | +1 bps | |
| Efficiency Ratio | 69.03% | 79.23% | 26.45% | 54.92% | 66.20% | 67.41% | 79.98% | 77.60% | +2,268 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.45% | -4.02% | -5.15% | -6.81% | -4.05% | -1.19% | 4.48% | 8.46% | +1,526 bps | |
| Loan Growth (YoY) | -8.96% | -6.91% | -6.24% | 0.37% | -1.69% | 0.34% | -0.05% | -3.24% | -361 bps | |
| Share Growth (YoY) | -5.71% | -5.61% | -6.84% | -11.17% | -6.43% | -2.92% | 4.40% | 11.91% | +2,307 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 0.17% | 0.25% | 0.32% | 0.59% | 0.19% | 0.12% | 0.10% | -22 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 | 13.86% | 14.03% | 14.66% | 15.13% | 15.54% | 15.46% | 14.67% | 14.66% | -47 bps | |
| Net Worth / Assets | 13.86% | 14.03% | 14.66% | 15.13% | 15.54% | 15.46% | 14.67% | 14.66% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.32% | 45.51% | 45.33% | 48.57% | 47.62% | 47.04% | 43.40% | 42.00% | -657 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sarasota, FL · Charter 67309 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.86%
Rank 725 of 1,683
Net Interest Margin
3.47%
Rank 1,145 of 1,683
Efficiency Ratio
77.57%
Rank 807 of 1,682
Equity / Assets
14.66%
Rank 585 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.86% | 0.35% | 0.74% | 1.18% | Beats 57% | 725 / 1,683 | ||
| Return on Equity | 5.89% | 2.67% | 5.89% | 8.74% | Beats 50% | 841 / 1,681 | ||
| Net Interest Margin | 3.47% | 3.31% | 3.82% | 4.32% | Beats 32% | 1,145 / 1,683 | ||
| Efficiency Ratio | 77.57% | 68.91% | 78.20% | 86.93% | Beats 52% | 807 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.26% | 0.65% | 1.29% | Beats 86% | 230 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.66% | 10.44% | 12.89% | 16.53% | Beats 65% | 585 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.66% | 10.44% | 12.89% | 16.53% | Beats 65% | 585 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.00% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,468 / 1,683 | ||
| Loans / Assets | 35.49% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,457 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||