Tampa, FL · Charter 68016
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 in the Memphis, TN-MS-AR area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
60
Profitability
57
Liquidity
1
Efficiency
85
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.
Tampa, FL · Charter 68016
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 | 2.82% | 2.67% | 2.02% | 1.98% | 1.96% | 2.02% | 0.71% | 1.12% | -86 bps | |
| Return on Equity | 16.03% | 15.36% | 12.10% | 11.57% | 10.73% | 10.57% | 3.84% | 6.04% | -554 bps | |
| Net Interest Margin | 4.32% | 4.10% | 3.71% | 3.76% | 3.96% | 4.03% | 3.83% | 3.85% | +10 bps | |
| Efficiency Ratio | 50.40% | 49.93% | 52.44% | 53.11% | 55.42% | 56.45% | 65.89% | 63.69% | +1,058 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.62% | 11.70% | 17.90% | 15.24% | 8.56% | 1.71% | -2.08% | 0.08% | -1,516 bps | |
| Loan Growth (YoY) | 0.91% | -1.15% | -1.47% | -4.91% | -2.15% | -2.88% | -2.48% | 1.12% | +603 bps | |
| Share Growth (YoY) | 4.20% | 11.76% | 17.85% | 15.70% | 8.01% | -0.28% | -3.60% | -1.64% | -1,734 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.44% | 1.03% | 0.67% | 0.37% | 0.41% | 0.57% | 0.52% | -15 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 | 17.57% | 17.38% | 16.67% | 17.13% | 18.27% | 19.08% | 18.61% | 18.57% | +143 bps | |
| Net Worth / Assets | 17.57% | 17.38% | 16.67% | 17.13% | 18.27% | 19.08% | 18.61% | 18.57% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.27% | 91.73% | 85.65% | 83.02% | 89.03% | 89.34% | 86.64% | 85.34% | +232 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tampa, FL · Charter 68016 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)
NCUA · 1 branch
Q2 2026
Return on Assets
1.12%
Rank 7 of 20
Net Interest Margin
3.85%
Rank 10 of 20
Efficiency Ratio
63.78%
Rank 4 of 20
Equity / Assets
18.57%
Rank 8 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.12% | 0.17% | 0.80% | 1.30% | Beats 65% | 7 / 20 | ||
| Return on Equity | 6.04% | 1.70% | 5.99% | 7.93% | Beats 55% | 9 / 20 | ||
| Net Interest Margin | 3.85% | 3.56% | 3.85% | 4.24% | Beats 50% | 10 / 20 | ||
| Efficiency Ratio | 63.78% | 66.59% | 84.75% | 93.62% | Beats 85% | 4 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.52% | 0.32% | 0.63% | 1.03% | Beats 60% | 9 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.57% | 13.24% | 17.38% | 21.71% | Beats 60% | 8 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.57% | 13.24% | 17.38% | 21.71% | Beats 60% | 8 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.35% | 36.24% | 50.72% | 82.35% | 85th pctl | 3 / 20 | ||
| Loans / Assets | 68.68% | 30.61% | 46.06% | 66.54% | 85th pctl | 3 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||