Gainesville, FL · Charter 68391
NCUA · 22 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 | 1.29% | 1.11% | 1.25% | 1.20% | 1.25% | 1.21% | 1.20% | 1.26% | +6 bps | |
| Return on Equity | 10.28% | 8.90% | 10.05% | 9.78% | 10.10% | 9.93% | 9.89% | 10.29% | +51 bps | |
| Net Interest Margin | 2.70% | 2.75% | 2.87% | 2.85% | 2.89% | 2.86% | 2.94% | 2.93% | +8 bps | |
| Efficiency Ratio | 57.04% | 59.27% | 60.07% | 59.82% | 58.12% | 57.93% | 62.67% | 60.17% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.97% | 7.53% | 7.22% | 9.56% | 9.38% | 12.86% | 12.71% | 10.72% | +116 bps | |
| Loan Growth (YoY) | 6.53% | 7.27% | 5.84% | 4.84% | 7.71% | 9.55% | 11.37% | 13.83% | +899 bps | |
| Share Growth (YoY) | 6.04% | 6.65% | 5.43% | 9.00% | 8.75% | 11.12% | 11.97% | 9.95% | +96 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.48% | 0.40% | 0.43% | 0.41% | 0.43% | 0.35% | 0.38% | -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 | 12.51% | 12.51% | 12.45% | 12.29% | 12.42% | 12.20% | 12.15% | 12.25% | -4 bps | |
| Net Worth / Assets | 12.51% | 12.51% | 12.45% | 12.29% | 12.42% | 12.20% | 12.15% | 12.25% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.29% | 98.01% | 96.55% | 94.95% | 97.35% | 96.62% | 96.03% | 98.29% | +335 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |