Winter Springs, FL · Charter 67344
NCUA · 16 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 | 0.50% | 0.55% | -0.42% | -0.35% | -0.20% | -0.10% | -0.11% | -0.01% | +34 bps | |
| Return on Equity | 5.22% | 5.58% | -4.35% | -3.66% | -1.99% | -1.01% | -1.13% | -0.10% | +355 bps | |
| Net Interest Margin | 2.57% | 2.67% | 2.84% | 2.95% | 3.16% | 3.13% | 3.03% | 3.27% | +33 bps | |
| Efficiency Ratio | 90.99% | 89.05% | 99.96% | 98.13% | 94.33% | 93.13% | 93.08% | 91.97% | -616 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.19% | 2.34% | 4.45% | -2.24% | -6.39% | -3.90% | -6.01% | -7.78% | -554 bps | |
| Loan Growth (YoY) | 7.38% | 4.50% | 7.92% | 3.08% | 3.68% | 3.50% | -3.11% | -3.76% | -684 bps | |
| Share Growth (YoY) | -2.44% | -2.67% | -1.55% | -4.50% | -4.55% | -2.68% | -3.09% | -1.97% | +254 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 0.94% | 0.81% | 0.95% | 1.02% | 1.15% | 1.12% | 1.13% | +18 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 | 9.54% | 9.90% | 9.57% | 9.53% | 9.96% | 9.94% | 9.90% | 10.15% | +62 bps | |
| Net Worth / Assets | 9.54% | 9.90% | 9.57% | 9.53% | 9.96% | 9.94% | 9.90% | 10.15% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.49% | 59.94% | 62.67% | 66.40% | 65.71% | 63.75% | 62.66% | 65.18% | -122 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |