Ocala, FL · Charter 67938
NCUA · 1 branch
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
22
Asset Quality
10
Profitability
34
Liquidity
0
Efficiency
68
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.
Ocala, FL · Charter 67938
NCUA · 1 branch
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 | -0.39% | -0.16% | 0.53% | 0.19% | 0.57% | 0.63% | 0.21% | 0.57% | +38 bps | |
| Return on Equity | -4.37% | -1.74% | 5.58% | 2.01% | 5.74% | 6.23% | 2.12% | 5.63% | +362 bps | |
| Net Interest Margin | 2.03% | 2.20% | 2.66% | 2.68% | 2.91% | 2.98% | 2.91% | 3.05% | +37 bps | |
| Efficiency Ratio | 90.46% | 85.78% | 70.13% | 69.64% | 69.92% | 70.24% | 75.15% | 72.13% | +249 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.11% | -1.11% | -1.97% | -2.14% | -5.49% | -2.96% | -0.92% | -1.45% | +68 bps | |
| Loan Growth (YoY) | -7.06% | -7.07% | -10.75% | -13.83% | -14.50% | -17.78% | -18.49% | -11.74% | +209 bps | |
| Share Growth (YoY) | 9.34% | -1.28% | -2.35% | -2.29% | -6.47% | -3.54% | -1.26% | -2.14% | +15 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.47% | 1.14% | 0.13% | 1.32% | 0.59% | 0.67% | 1.27% | 2.57% | +125 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 | 8.95% | 9.35% | 9.41% | 9.29% | 9.94% | 10.18% | 9.94% | 10.13% | +85 bps | |
| Net Worth / Assets | 8.95% | 9.35% | 9.41% | 9.29% | 9.94% | 10.18% | 9.94% | 10.13% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.59% | 41.88% | 39.25% | 37.32% | 37.11% | 35.70% | 32.40% | 33.66% | -366 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ocala, FL · Charter 67938 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.57%
Rank 1,048 of 1,683
Net Interest Margin
3.06%
Rank 1,417 of 1,683
Efficiency Ratio
72.06%
Rank 539 of 1,682
Equity / Assets
10.13%
Rank 1,316 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.57% | 0.35% | 0.74% | 1.18% | Beats 38% | 1,048 / 1,683 | ||
| Return on Equity | 5.65% | 2.67% | 5.89% | 8.74% | Beats 48% | 882 / 1,681 | ||
| Net Interest Margin | 3.06% | 3.31% | 3.82% | 4.32% | Beats 16% | 1,417 / 1,683 | ||
| Efficiency Ratio | 72.06% | 68.91% | 78.20% | 86.93% | Beats 68% | 539 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.57% | 0.26% | 0.65% | 1.29% | Beats 10% | 1,514 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.13% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,316 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.13% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,316 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 33.66% | 52.61% | 69.38% | 83.50% | 7th pctl | 1,568 / 1,683 | ||
| Loans / Assets | 29.98% | 44.71% | 59.18% | 70.72% | 8th pctl | 1,552 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||