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 | |