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 | |