Insight
Winter Springs, FL · Charter 67344 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 16 branches
Q2 2026
$629.1MAssets
$375.6MLoans
$576.3MShares
$63.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 29% of credit unions under $1B in assets (rank 1196 of 1682).
- Widest gap: return on equity trails 89% of credit unions under $1B in assets (rank 1492 of 1681).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.01%
Rank 1,490 of 1,683
Net Interest Margin
3.27%
Rank 1,290 of 1,683
Efficiency Ratio
91.96%
Rank 1,436 of 1,682
Equity / Assets
10.15%
Rank 1,314 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.01% | 0.35% | 0.74% | 1.18% | Beats 11% | 1,490 / 1,683 | |
| Return on Equity | -0.10% | 2.67% | 5.89% | 8.74% | Beats 11% | 1,492 / 1,681 | |
| Net Interest Margin | 3.27% | 3.31% | 3.82% | 4.32% | Beats 23% | 1,290 / 1,683 | |
| Efficiency Ratio | 91.96% | 68.91% | 78.20% | 86.93% | Beats 15% | 1,436 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.13% | 0.26% | 0.65% | 1.29% | Beats 29% | 1,196 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.15% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,314 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.15% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,314 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 65.18% | 52.61% | 69.38% | 83.50% | 42nd pctl | 975 / 1,683 | |
| Loans / Assets | 59.71% | 44.71% | 59.18% | 70.72% | 51st pctl | 823 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |