Sarasota, FL · Charter 67309
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |