PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Campus USA

Gainesville, FL · Charter 68391

NCUA · 22 branches

Q2 2026

$4.0BAssets
$3.4BLoans
$3.4BShares
$495.4MNet 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 1.26%, up 6 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.38% of loans (-6 bps YoY).
  • Capital: net worth / assets of 12.25%, down 4 bps from a year ago.
  • Funding: loans stand at 98.29% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.26%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.93%+8 bps YoY

Efficiency Ratio (YTD, annualized)

60.17%+35 bps YoY

Net Worth / Assets

12.25%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.25%1.21%1.20%1.26%+6 bps
Return on Equity9.78%10.10%9.93%9.89%10.29%+51 bps
Net Interest Margin2.85%2.89%2.86%2.94%2.93%+8 bps
Efficiency Ratio59.82%58.12%57.93%62.67%60.17%+35 bps
Growth
Asset Growth (YoY)9.56%9.38%12.86%12.71%10.72%+116 bps
Loan Growth (YoY)4.84%7.71%9.55%11.37%13.83%+899 bps
Share Growth (YoY)9.00%8.75%11.12%11.97%9.95%+96 bps
Asset Quality
Delinquent Loans / Loans0.43%0.41%0.43%0.35%0.38%-6 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 Capital12.29%12.42%12.20%12.15%12.25%-4 bps
Net Worth / Assets12.29%12.42%12.20%12.15%12.25%-4 bps
Liquidity & Funding
Loans / Shares94.95%97.35%96.62%96.03%98.29%+335 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps