Orlando, FL · Charter 67319
NCUA · 6 branches
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
8
Asset Quality
7
Profitability
46
Liquidity
35
Efficiency
15
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.
Orlando, FL · Charter 67319
NCUA · 6 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 | 0.08% | -0.48% | -0.30% | -2.16% | -1.48% | -1.61% | 0.27% | 0.23% | +239 bps | |
| Return on Equity | 0.78% | -4.85% | -3.09% | -24.11% | -16.47% | -18.99% | 3.10% | 2.62% | +2,673 bps | |
| Net Interest Margin | 4.49% | 4.60% | 4.95% | 5.07% | 5.02% | 5.06% | 5.29% | 5.26% | +18 bps | |
| Efficiency Ratio | 98.80% | 101.56% | 98.77% | 116.03% | 108.90% | 106.38% | 92.00% | 91.66% | -2,437 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.78% | -5.40% | -5.08% | -5.46% | -4.94% | -2.25% | -3.08% | -0.68% | +478 bps | |
| Loan Growth (YoY) | -3.58% | -5.96% | -5.20% | -8.31% | -6.04% | -0.23% | 1.41% | 1.87% | +1,018 bps | |
| Share Growth (YoY) | -3.41% | -4.89% | -4.65% | -4.14% | -2.73% | 1.38% | -0.52% | 1.64% | +578 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.69% | 1.63% | 2.15% | 2.96% | 3.66% | 2.64% | 3.17% | +102 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 | 10.12% | 9.88% | 9.72% | 8.97% | 8.98% | 8.50% | 8.57% | 8.63% | -35 bps | |
| Net Worth / Assets | 10.12% | 9.88% | 9.72% | 8.97% | 8.98% | 8.50% | 8.57% | 8.63% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.60% | 89.54% | 84.81% | 83.91% | 84.62% | 88.12% | 86.45% | 84.10% | +19 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Orlando, FL · Charter 67319 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
0.22%
Rank 1,367 of 1,683
Net Interest Margin
5.26%
Rank 101 of 1,683
Efficiency Ratio
91.67%
Rank 1,431 of 1,682
Equity / Assets
8.63%
Rank 1,555 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.22% | 0.35% | 0.74% | 1.18% | Beats 19% | 1,367 / 1,683 | ||
| Return on Equity | 2.60% | 2.67% | 5.89% | 8.74% | Beats 24% | 1,278 / 1,681 | ||
| Net Interest Margin | 5.26% | 3.31% | 3.82% | 4.32% | Beats 94% | 101 / 1,683 | ||
| Efficiency Ratio | 91.67% | 68.91% | 78.20% | 86.93% | Beats 15% | 1,431 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.17% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,562 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.63% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,555 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.63% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,555 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.10% | 52.61% | 69.38% | 83.50% | 76th pctl | 402 / 1,683 | ||
| Loans / Assets | 79.59% | 44.71% | 59.18% | 70.72% | 91st pctl | 147 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||