Seminole, FL · Charter 67336
NCUA · 3 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
78
Asset Quality
56
Profitability
25
Liquidity
47
Efficiency
10
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.
Seminole, FL · Charter 67336
NCUA · 3 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 | 0.66% | 0.60% | 0.59% | 0.66% | 0.59% | 0.49% | 0.09% | -0.03% | -69 bps | |
| Return on Equity | 4.24% | 3.77% | 3.68% | 4.05% | 3.52% | 2.89% | 0.57% | -0.17% | -422 bps | |
| Net Interest Margin | 3.87% | 3.90% | 3.99% | 4.06% | 4.09% | 4.09% | 3.67% | 3.88% | -17 bps | |
| Efficiency Ratio | 85.22% | 85.20% | 82.79% | 81.59% | 83.16% | 85.22% | 94.34% | 95.05% | +1,347 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.07% | -2.48% | -2.73% | -2.35% | -2.70% | -2.83% | -0.60% | -5.32% | -298 bps | |
| Loan Growth (YoY) | -6.83% | -1.30% | -3.29% | 6.89% | 14.06% | 13.54% | 19.99% | 17.73% | +1,083 bps | |
| Share Growth (YoY) | -3.46% | -3.54% | -3.98% | -3.26% | -4.07% | -3.76% | -0.94% | -7.01% | -375 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 2.94% | 1.16% | 0.79% | 0.73% | 0.66% | 0.86% | 0.56% | -23 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 | 15.67% | 15.86% | 16.14% | 16.38% | 16.64% | 16.81% | 16.57% | 17.44% | +106 bps | |
| Net Worth / Assets | 15.67% | 15.86% | 16.14% | 16.38% | 16.64% | 16.81% | 16.57% | 17.44% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.96% | 40.36% | 39.79% | 42.06% | 45.14% | 47.62% | 48.20% | 53.24% | +1,119 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Seminole, FL · Charter 67336 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.03%
Rank 1,495 of 1,683
Net Interest Margin
3.88%
Rank 785 of 1,683
Efficiency Ratio
95.05%
Rank 1,509 of 1,682
Equity / Assets
17.44%
Rank 366 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.03% | 0.35% | 0.74% | 1.18% | Beats 11% | 1,495 / 1,683 | ||
| Return on Equity | -0.17% | 2.67% | 5.89% | 8.74% | Beats 11% | 1,494 / 1,681 | ||
| Net Interest Margin | 3.88% | 3.31% | 3.82% | 4.32% | Beats 53% | 785 / 1,683 | ||
| Efficiency Ratio | 95.05% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,509 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.55% | 0.26% | 0.65% | 1.29% | Beats 56% | 745 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.44% | 10.44% | 12.89% | 16.53% | Beats 78% | 366 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.44% | 10.44% | 12.89% | 16.53% | Beats 78% | 366 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.24% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,251 / 1,683 | ||
| Loans / Assets | 43.32% | 44.71% | 59.18% | 70.72% | 24th pctl | 1,285 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||