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Ocala Community

Ocala, FL · Charter 67938

NCUA · 1 branch

Q2 2026

$49.3MAssets
$14.8MLoans
$43.9MShares
$5.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.57%, up 38 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 2.57% of loans (+125 bps YoY).
  • Capital: net worth / assets of 10.13%, up 85 bps from a year ago.
  • Funding: loans stand at 33.66% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.57%+38 bps YoY

Net Interest Margin (quarter, annualized)

3.05%+37 bps YoY

Efficiency Ratio (quarter, annualized)

72.13%+249 bps YoY

Net Worth / Assets

10.13%+85 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin2.03%2.20%2.66%2.68%2.91%2.98%2.91%3.05%+37 bps
Efficiency Ratio90.46%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 / Loans1.47%1.14%0.13%1.32%0.59%0.67%1.27%2.57%+125 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 Capital8.95%9.35%9.41%9.29%9.94%10.18%9.94%10.13%+85 bps
Net Worth / Assets8.95%9.35%9.41%9.29%9.94%10.18%9.94%10.13%+85 bps
Liquidity & Funding
Loans / Shares40.59%41.88%39.25%37.32%37.11%35.70%32.40%33.66%-366 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps