PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Champions First

Tallahassee, FL · Charter 67874

NCUA · 10 branches

Q2 2026

$540.7MAssets
$419.4MLoans
$478.8MShares
$57.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.62%, down 19 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 1.27% of loans (+64 bps YoY).
  • Capital: net worth / assets of 10.54%, down 4 bps from a year ago.
  • Funding: loans stand at 87.58% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.62%-19 bps YoY

Net Interest Margin (YTD, annualized)

3.23%-5 bps YoY

Efficiency Ratio (YTD, annualized)

79.05%+514 bps YoY

Net Worth / Assets

10.54%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.61%0.62%0.81%0.80%0.90%0.82%0.62%-19 bps
Return on Equity4.94%5.93%6.04%7.65%7.63%8.43%7.76%5.92%-173 bps
Net Interest Margin2.95%2.95%3.20%3.29%3.30%3.29%3.19%3.23%-5 bps
Efficiency Ratio79.44%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 / Loans0.99%0.72%0.57%0.62%0.76%0.79%1.04%1.27%+64 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.38%10.29%10.32%10.58%10.53%10.65%10.53%10.54%-4 bps
Net Worth / Assets10.38%10.29%10.32%10.58%10.53%10.65%10.53%10.54%-4 bps
Liquidity & Funding
Loans / Shares86.41%84.97%84.76%87.59%90.04%89.31%86.85%87.58%-1 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps