Tampa, FL · Charter 67668
NCUA · 13 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
3
Asset Quality
49
Profitability
21
Liquidity
99
Efficiency
23
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.
Tampa, FL · Charter 67668
NCUA · 13 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 | 0.14% | 0.17% | 0.26% | 0.26% | 0.29% | 0.35% | 0.39% | 0.18% | -9 bps | |
| Return on Equity | 1.87% | 2.17% | 3.44% | 3.41% | 3.57% | 4.41% | 4.94% | 2.25% | -116 bps | |
| Net Interest Margin | 2.92% | 2.97% | 3.04% | 3.09% | 3.15% | 3.10% | 3.21% | 3.27% | +19 bps | |
| Efficiency Ratio | 89.15% | 88.62% | 83.82% | 85.37% | 84.37% | 82.32% | 80.52% | 87.74% | +238 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.35% | 0.93% | 3.10% | 1.40% | -1.90% | 2.36% | 0.65% | 2.20% | +81 bps | |
| Loan Growth (YoY) | 1.56% | 0.93% | 1.35% | 1.30% | 3.71% | 3.83% | 4.48% | 2.18% | +88 bps | |
| Share Growth (YoY) | 5.25% | 0.71% | 1.99% | 0.49% | -2.49% | 0.79% | -0.33% | 1.25% | +76 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.53% | 0.49% | 0.43% | 0.51% | 0.66% | 0.54% | 0.69% | +26 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 | 7.66% | 7.71% | 7.56% | 7.75% | 8.03% | 7.83% | 7.84% | 7.83% | +8 bps | |
| Net Worth / Assets | 7.66% | 7.71% | 7.56% | 7.75% | 8.03% | 7.83% | 7.84% | 7.83% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.17% | 67.38% | 66.01% | 68.41% | 71.44% | 69.41% | 69.20% | 69.04% | +63 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tampa, FL · Charter 67668 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 13 branches
Q2 2026
Return on Assets
0.18%
Rank 1,398 of 1,683
Net Interest Margin
3.27%
Rank 1,291 of 1,683
Efficiency Ratio
87.75%
Rank 1,297 of 1,682
Equity / Assets
7.83%
Rank 1,633 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.18% | 0.35% | 0.74% | 1.18% | Beats 17% | 1,398 / 1,683 | ||
| Return on Equity | 2.25% | 2.67% | 5.89% | 8.74% | Beats 22% | 1,315 / 1,681 | ||
| Net Interest Margin | 3.27% | 3.31% | 3.82% | 4.32% | Beats 23% | 1,291 / 1,683 | ||
| Efficiency Ratio | 87.75% | 68.91% | 78.20% | 86.93% | Beats 23% | 1,297 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.69% | 0.26% | 0.65% | 1.29% | Beats 49% | 865 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.83% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,633 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.83% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,633 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.04% | 52.61% | 69.38% | 83.50% | 49th pctl | 851 / 1,683 | ||
| Loans / Assets | 65.40% | 44.71% | 59.18% | 70.72% | 63rd pctl | 617 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||