Brandon, FL · Charter 67337
NCUA · 6 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
41
Asset Quality
76
Profitability
45
Liquidity
63
Efficiency
45
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.
Brandon, FL · Charter 67337
NCUA · 6 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 | 0.59% | 0.64% | 0.45% | 0.58% | 0.58% | 0.67% | 0.75% | 0.79% | +20 bps | |
| Return on Equity | 5.01% | 5.31% | 3.84% | 4.87% | 4.86% | 5.52% | 6.21% | 6.55% | +168 bps | |
| Net Interest Margin | 3.01% | 3.03% | 2.99% | 3.13% | 3.17% | 3.22% | 3.32% | 3.31% | +18 bps | |
| Efficiency Ratio | 80.92% | 80.58% | 85.72% | 84.52% | 82.48% | 80.72% | 80.75% | 79.81% | -471 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.82% | 3.48% | 6.26% | 3.89% | 4.63% | 4.57% | 2.91% | 6.25% | +236 bps | |
| Loan Growth (YoY) | 6.53% | 4.82% | 6.81% | 5.18% | 8.49% | 11.24% | 7.64% | 7.21% | +204 bps | |
| Share Growth (YoY) | -2.31% | 2.94% | 5.30% | 3.14% | 4.20% | 3.11% | 2.24% | 5.54% | +241 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.20% | 0.18% | 0.23% | 0.46% | 0.32% | 0.38% | 0.25% | +2 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 | 11.84% | 12.00% | 11.65% | 11.98% | 11.94% | 12.15% | 12.06% | 12.03% | +6 bps | |
| Net Worth / Assets | 11.84% | 12.00% | 11.65% | 11.98% | 11.94% | 12.15% | 12.06% | 12.03% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.57% | 55.95% | 56.00% | 57.06% | 58.90% | 60.36% | 58.95% | 57.96% | +90 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Brandon, FL · Charter 67337 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
0.79%
Rank 792 of 1,683
Net Interest Margin
3.31%
Rank 1,263 of 1,683
Efficiency Ratio
79.81%
Rank 929 of 1,682
Equity / Assets
12.03%
Rank 990 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.79% | 0.35% | 0.74% | 1.18% | Beats 53% | 792 / 1,683 | ||
| Return on Equity | 6.54% | 2.67% | 5.89% | 8.74% | Beats 56% | 732 / 1,681 | ||
| Net Interest Margin | 3.31% | 3.31% | 3.82% | 4.32% | Beats 25% | 1,263 / 1,683 | ||
| Efficiency Ratio | 79.81% | 68.91% | 78.20% | 86.93% | Beats 45% | 929 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.25% | 0.26% | 0.65% | 1.29% | Beats 76% | 406 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.03% | 10.44% | 12.89% | 16.53% | Beats 41% | 990 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.03% | 10.44% | 12.89% | 16.53% | Beats 41% | 990 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.96% | 52.61% | 69.38% | 83.50% | 32nd pctl | 1,144 / 1,683 | ||
| Loans / Assets | 51.20% | 44.71% | 59.18% | 70.72% | 36th pctl | 1,079 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||