Tampa, FL · Charter 68042
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.44% | 0.81% | 0.71% | 0.69% | 0.71% | 2.71% | 1.89% | +118 bps | |
| Return on Equity | 4.87% | 4.66% | 8.51% | 7.37% | 7.24% | 7.19% | 27.68% | 18.80% | +1,143 bps | |
| Net Interest Margin | 2.03% | 2.03% | 2.40% | 2.29% | 2.25% | 2.28% | 2.70% | 2.84% | +55 bps | |
| Efficiency Ratio | 79.60% | 79.96% | 69.89% | 71.95% | 72.46% | 72.85% | 44.89% | 54.35% | -1,760 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.48% | 1.41% | -0.21% | -0.20% | 2.94% | 3.33% | 10.10% | 9.62% | +982 bps | |
| Loan Growth (YoY) | -4.48% | -5.73% | -3.36% | -6.68% | -3.06% | -0.24% | 6.52% | 14.17% | +2,085 bps | |
| Share Growth (YoY) | 4.48% | 1.23% | -0.75% | -0.72% | 2.62% | 2.81% | 9.66% | 8.95% | +966 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 0.54% | 0.33% | 0.57% | 1.17% | 0.46% | 1.17% | 1.44% | +87 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 | 9.24% | 9.42% | 9.54% | 9.64% | 9.57% | 9.80% | 9.80% | 10.05% | +41 bps | |
| Net Worth / Assets | 9.24% | 9.42% | 9.54% | 9.64% | 9.57% | 9.80% | 9.80% | 10.05% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.94% | 32.78% | 32.78% | 31.75% | 31.12% | 31.80% | 31.84% | 33.27% | +152 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |