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 | |