Fernandina Beac, FL · Charter 67933
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.32% | 0.55% | 0.47% | 0.57% | +19 bps | |
| Return on Equity | 0.86% | 0.71% | 1.20% | 1.03% | 1.19% | +34 bps | |
| Net Interest Margin | 2.98% | 3.08% | 3.25% | 3.10% | 3.33% | +34 bps | |
| Efficiency Ratio | 87.79% | 90.20% | 83.86% | 85.37% | 83.34% | -446 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.14% | -4.77% | -4.69% | -1.36% | -6.49% | -35 bps | |
| Loan Growth (YoY) | 2.87% | 6.85% | -0.82% | -6.98% | -15.22% | -1,809 bps | |
| Share Growth (YoY) | -11.30% | -8.65% | -8.99% | -3.29% | -12.66% | -135 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.41% | +41 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 44.61% | 44.82% | 45.85% | 45.44% | 47.99% | +338 bps | |
| Net Worth / Assets | 44.61% | 44.82% | 45.85% | 45.44% | 47.99% | +338 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.92% | 66.66% | 65.25% | 59.95% | 62.05% | -187 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |