Tallahassee, FL · Charter 67874
NCUA · 10 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |