PackageTrendsPeer
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Adventhealth

Altamonte Sprin, FL · Charter 67349

NCUA · 2 branches

Q2 2026

$125.2MAssets
$98.9MLoans
$110.9MShares
$12.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.89%, down 8 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.02% of loans (-5 bps YoY).
  • Capital: net worth / assets of 9.79%, up 40 bps from a year ago.
  • Funding: loans stand at 89.21% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+23 bps YoY

Efficiency Ratio (YTD, annualized)

78.49%+364 bps YoY

Net Worth / Assets

9.79%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%1.08%1.08%0.79%0.89%-8 bps
Return on Equity10.36%11.44%11.21%8.33%9.10%-126 bps
Net Interest Margin3.32%3.29%3.31%3.46%3.55%+23 bps
Efficiency Ratio74.85%73.12%74.00%79.43%78.49%+364 bps
Growth
Asset Growth (YoY)11.55%10.64%10.52%7.45%6.97%-458 bps
Loan Growth (YoY)2.97%5.89%8.23%19.72%15.95%+1,298 bps
Share Growth (YoY)15.17%12.72%10.01%6.39%6.45%-872 bps
Asset Quality
Delinquent Loans / Loans0.06%0.58%0.57%0.49%0.02%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.39%9.42%9.59%9.42%9.79%+40 bps
Net Worth / Assets9.39%9.42%9.59%9.42%9.79%+40 bps
Liquidity & Funding
Loans / Shares81.90%82.81%87.86%88.78%89.21%+731 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps