Seminole, FL · Charter 67336
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |