PackageTrendsPeer
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Transport

Tampa, FL · Charter 68016

NCUA · 1 branch

Q2 2026

$35.8MAssets
$24.6MLoans
$28.8MShares
$6.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.12%, down 86 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.52% of loans (-15 bps YoY).
  • Capital: net worth / assets of 18.57%, up 143 bps from a year ago.
  • Funding: loans stand at 85.34% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.12%-86 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+10 bps YoY

Efficiency Ratio (YTD, annualized)

63.69%+1,058 bps YoY

Net Worth / Assets

18.57%+143 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.98%1.96%2.02%0.71%1.12%-86 bps
Return on Equity11.57%10.73%10.57%3.84%6.04%-554 bps
Net Interest Margin3.76%3.96%4.03%3.83%3.85%+10 bps
Efficiency Ratio53.11%55.42%56.45%65.89%63.69%+1,058 bps
Growth
Asset Growth (YoY)15.24%8.56%1.71%-2.08%0.08%-1,516 bps
Loan Growth (YoY)-4.91%-2.15%-2.88%-2.48%1.12%+603 bps
Share Growth (YoY)15.70%8.01%-0.28%-3.60%-1.64%-1,734 bps
Asset Quality
Delinquent Loans / Loans0.67%0.37%0.41%0.57%0.52%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.13%18.27%19.08%18.61%18.57%+143 bps
Net Worth / Assets17.13%18.27%19.08%18.61%18.57%+143 bps
Liquidity & Funding
Loans / Shares83.02%89.03%89.34%86.64%85.34%+232 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps