Clearwater, FL · Charter 67323
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
5
Asset Quality
53
Profitability
65
Liquidity
92
Efficiency
60
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.
Clearwater, FL · Charter 67323
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 | 0.12% | 0.31% | 0.34% | 0.59% | 0.53% | 0.55% | 0.81% | 0.65% | +6 bps | |
| Return on Equity | 1.48% | 3.86% | 4.43% | 7.25% | 6.44% | 6.72% | 9.80% | 7.89% | +63 bps | |
| Net Interest Margin | 4.57% | 4.34% | 4.19% | 4.44% | 4.46% | 4.47% | 4.49% | 4.52% | +8 bps | |
| Efficiency Ratio | 74.66% | 74.85% | 77.12% | 72.44% | 73.14% | 71.72% | 71.80% | 75.08% | +264 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.16% | 9.60% | 11.53% | 10.19% | 10.09% | 3.44% | 1.95% | 4.99% | -520 bps | |
| Loan Growth (YoY) | -9.09% | -10.53% | -10.63% | -6.65% | -2.26% | -0.80% | 4.21% | 4.50% | +1,115 bps | |
| Share Growth (YoY) | 0.10% | 9.56% | 13.40% | 11.49% | 11.16% | 6.93% | 2.06% | 5.51% | -598 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 0.90% | 0.46% | 0.98% | 0.79% | 0.62% | 0.31% | 0.59% | -39 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 | 8.38% | 7.95% | 7.77% | 8.17% | 8.18% | 8.19% | 8.24% | 8.29% | +12 bps | |
| Net Worth / Assets | 8.38% | 7.95% | 7.77% | 8.17% | 8.18% | 8.19% | 8.24% | 8.29% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.22% | 70.13% | 65.04% | 67.47% | 67.89% | 65.06% | 66.41% | 66.82% | -65 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Clearwater, FL · Charter 67323 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.65%
Rank 943 of 1,683
Net Interest Margin
4.52%
Rank 319 of 1,683
Efficiency Ratio
75.11%
Rank 679 of 1,682
Equity / Assets
8.29%
Rank 1,598 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.65% | 0.35% | 0.74% | 1.18% | Beats 44% | 943 / 1,683 | ||
| Return on Equity | 7.90% | 2.67% | 5.89% | 8.74% | Beats 69% | 526 / 1,681 | ||
| Net Interest Margin | 4.52% | 3.31% | 3.82% | 4.32% | Beats 81% | 319 / 1,683 | ||
| Efficiency Ratio | 75.11% | 68.91% | 78.20% | 86.93% | Beats 60% | 679 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.59% | 0.26% | 0.65% | 1.29% | Beats 53% | 785 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.29% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,598 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.29% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,598 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.82% | 52.61% | 69.38% | 83.50% | 45th pctl | 921 / 1,683 | ||
| Loans / Assets | 61.69% | 44.71% | 59.18% | 70.72% | 56th pctl | 746 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||