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 | |