Madison, FL · Charter 67630
NCUA · 1 branch
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 | 0.65% | 0.65% | 0.56% | 0.23% | 0.66% | 0.55% | 0.25% | 0.73% | +50 bps | |
| Return on Equity | 4.33% | 4.40% | 3.97% | 1.64% | 4.62% | 3.91% | 1.74% | 5.05% | +341 bps | |
| Net Interest Margin | 2.69% | 2.71% | 2.77% | 2.79% | 2.95% | 2.77% | 3.31% | 3.03% | +24 bps | |
| Efficiency Ratio | 78.64% | 77.07% | 81.85% | 79.88% | 72.63% | 76.76% | 72.47% | 76.47% | -341 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.73% | 5.67% | 10.30% | 10.81% | 11.20% | 9.89% | 2.65% | 0.98% | -983 bps | |
| Loan Growth (YoY) | 27.33% | 21.83% | 22.54% | 16.99% | 17.87% | 11.83% | 15.49% | 17.48% | +49 bps | |
| Share Growth (YoY) | 3.19% | 5.49% | 11.26% | 11.45% | 11.47% | 10.83% | 1.89% | 0.10% | -1,135 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.60% | 0.70% | 0.64% | 0.00% | 2.20% | 1.04% | 0.52% | 0.86% | +86 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 | 14.94% | 14.79% | 14.03% | 13.94% | 14.21% | 13.93% | 14.27% | 14.37% | +44 bps | |
| Net Worth / Assets | 14.94% | 14.79% | 14.03% | 13.94% | 14.21% | 13.93% | 14.27% | 14.37% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.43% | 55.94% | 54.86% | 52.07% | 56.50% | 56.45% | 62.18% | 61.11% | +904 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |