PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Floridacentral

Tampa, FL · Charter 67668

NCUA · 13 branches

Q2 2026

$621.8MAssets
$406.6MLoans
$589.0MShares
$48.7MNet 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 0.18%, down 9 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.69% of loans (+26 bps YoY).
  • Capital: net worth / assets of 7.83%, up 8 bps from a year ago.
  • Funding: loans stand at 69.04% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.18%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.27%+19 bps YoY

Efficiency Ratio (YTD, annualized)

87.74%+238 bps YoY

Net Worth / Assets

7.83%+8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.26%0.29%0.35%0.39%0.18%-9 bps
Return on Equity3.41%3.57%4.41%4.94%2.25%-116 bps
Net Interest Margin3.09%3.15%3.10%3.21%3.27%+19 bps
Efficiency Ratio85.37%84.37%82.32%80.52%87.74%+238 bps
Growth
Asset Growth (YoY)1.40%-1.90%2.36%0.65%2.20%+81 bps
Loan Growth (YoY)1.30%3.71%3.83%4.48%2.18%+88 bps
Share Growth (YoY)0.49%-2.49%0.79%-0.33%1.25%+76 bps
Asset Quality
Delinquent Loans / Loans0.43%0.51%0.66%0.54%0.69%+26 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 Capital7.75%8.03%7.83%7.84%7.83%+8 bps
Net Worth / Assets7.75%8.03%7.83%7.84%7.83%+8 bps
Liquidity & Funding
Loans / Shares68.41%71.44%69.41%69.20%69.04%+63 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps