Tallahassee, FL · Charter 68301
NCUA · 13 branches
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 | 0.45% | 0.46% | 0.35% | 0.46% | 0.52% | 0.55% | 0.54% | 0.68% | +22 bps | |
| Return on Equity | 4.44% | 4.41% | 3.38% | 4.36% | 5.02% | 5.45% | 5.34% | 6.70% | +234 bps | |
| Net Interest Margin | 2.93% | 3.02% | 3.01% | 3.16% | 3.19% | 3.17% | 3.34% | 3.34% | +18 bps | |
| Efficiency Ratio | 80.25% | 79.34% | 79.61% | 79.42% | 78.73% | 77.17% | 76.15% | 76.28% | -314 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.60% | 2.49% | 3.82% | 1.09% | 2.61% | 8.82% | 7.82% | 10.31% | +923 bps | |
| Loan Growth (YoY) | 9.19% | 10.35% | 10.62% | 10.72% | 9.42% | 11.23% | 13.97% | 11.45% | +73 bps | |
| Share Growth (YoY) | 2.49% | 7.84% | 8.63% | 4.48% | 3.97% | 4.28% | 4.42% | 7.60% | +312 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 0.78% | 0.55% | 0.56% | 0.66% | 0.57% | 0.52% | 0.50% | -6 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 | 10.15% | 10.50% | 10.24% | 10.48% | 10.40% | 10.16% | 10.06% | 10.13% | -35 bps | |
| Net Worth / Assets | 10.15% | 10.50% | 10.24% | 10.48% | 10.40% | 10.16% | 10.06% | 10.13% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.66% | 84.90% | 85.10% | 89.50% | 90.15% | 90.56% | 92.89% | 92.70% | +320 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |