Tallahassee, FL · Charter 67874
NCUA · 10 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
26
Asset Quality
26
Profitability
38
Liquidity
20
Efficiency
47
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.
Tallahassee, FL · Charter 67874
NCUA · 10 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 | 0.51% | 0.61% | 0.62% | 0.81% | 0.80% | 0.90% | 0.82% | 0.62% | -19 bps | |
| Return on Equity | 4.94% | 5.93% | 6.04% | 7.65% | 7.63% | 8.43% | 7.76% | 5.92% | -173 bps | |
| Net Interest Margin | 2.95% | 2.95% | 3.20% | 3.29% | 3.30% | 3.29% | 3.19% | 3.23% | -5 bps | |
| Efficiency Ratio | 79.44% | 77.49% | 77.80% | 73.91% | 73.26% | 71.57% | 77.60% | 79.05% | +514 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.14% | 6.42% | 6.66% | 5.64% | 5.62% | 4.53% | 6.45% | 7.60% | +196 bps | |
| Loan Growth (YoY) | 3.79% | 5.51% | 6.47% | 7.65% | 9.20% | 8.72% | 8.29% | 6.89% | -76 bps | |
| Share Growth (YoY) | 3.99% | 6.60% | 6.68% | 5.38% | 4.80% | 3.43% | 5.67% | 6.89% | +151 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 0.72% | 0.57% | 0.62% | 0.76% | 0.79% | 1.04% | 1.27% | +64 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 | 10.38% | 10.29% | 10.32% | 10.58% | 10.53% | 10.65% | 10.53% | 10.54% | -4 bps | |
| Net Worth / Assets | 10.38% | 10.29% | 10.32% | 10.58% | 10.53% | 10.65% | 10.53% | 10.54% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.41% | 84.97% | 84.76% | 87.59% | 90.04% | 89.31% | 86.85% | 87.58% | -1 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tallahassee, FL · Charter 67874 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
Return on Assets
0.62%
Rank 982 of 1,683
Net Interest Margin
3.23%
Rank 1,318 of 1,683
Efficiency Ratio
79.05%
Rank 886 of 1,682
Equity / Assets
10.54%
Rank 1,248 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.62% | 0.35% | 0.74% | 1.18% | Beats 42% | 982 / 1,683 | ||
| Return on Equity | 5.92% | 2.67% | 5.89% | 8.74% | Beats 50% | 836 / 1,681 | ||
| Net Interest Margin | 3.23% | 3.31% | 3.82% | 4.32% | Beats 22% | 1,318 / 1,683 | ||
| Efficiency Ratio | 79.05% | 68.91% | 78.20% | 86.93% | Beats 47% | 886 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.27% | 0.26% | 0.65% | 1.29% | Beats 26% | 1,254 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.54% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,248 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.54% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,248 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.58% | 52.61% | 69.38% | 83.50% | 82nd pctl | 295 / 1,683 | ||
| Loans / Assets | 77.57% | 44.71% | 59.18% | 70.72% | 88th pctl | 204 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||