City-County Employees
Clearwater, FL · Charter 67323 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$42.5MAssets
$26.2MLoans
$39.2MShares
$3.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 81% of credit unions under $1B in assets (rank 319 of 1683).
- Widest gap: equity / assets trails 95% of credit unions under $1B in assets (rank 1598 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 |