Orlando, FL · Charter 68417
NCUA · 32 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
74
Profitability
32
Liquidity
29
Efficiency
31
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Orlando, FL · Charter 68417
NCUA · 32 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 1.16% | 1.09% | 0.94% | 0.77% | -4 bps | |
| Return on Equity | 7.71% | 10.77% | 9.85% | 8.73% | 7.04% | -66 bps | |
| Net Interest Margin | 2.41% | 2.46% | 2.49% | 2.59% | 2.48% | +8 bps | |
| Efficiency Ratio | 74.88% | 68.13% | 69.67% | 72.10% | 76.25% | +137 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.29% | 5.51% | 6.94% | 5.97% | 5.58% | -171 bps | |
| Loan Growth (YoY) | 6.81% | 8.52% | 8.71% | 7.45% | 5.33% | -148 bps | |
| Share Growth (YoY) | 9.94% | 8.46% | 5.25% | 4.76% | 4.70% | -524 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.24% | 0.29% | 0.28% | 0.46% | +18 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.38% | 10.77% | 11.08% | 10.82% | 10.86% | +48 bps | |
| Net Worth / Assets | 10.38% | 10.77% | 11.08% | 10.82% | 10.86% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.16% | 72.57% | 74.92% | 71.67% | 71.59% | +43 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Orlando, FL · Charter 68417 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 32 branches
Q2 2026
Return on Assets
0.77%
Rank 239 of 435
Net Interest Margin
2.48%
Rank 403 of 435
Efficiency Ratio
76.25%
Rank 301 of 435
Equity / Assets
10.86%
Rank 215 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.55% | 0.81% | 1.14% | Beats 45% | 239 / 435 | |
| Return on Equity | 7.04% | 5.12% | 7.41% | 9.70% | Beats 45% | 238 / 435 | |
| Net Interest Margin | 2.48% | 3.01% | 3.39% | 3.75% | Beats 7% | 403 / 435 | |
| Efficiency Ratio | 76.25% | 65.25% | 71.39% | 77.86% | Beats 31% | 301 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.46% | 0.45% | 0.69% | 1.05% | Beats 74% | 115 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.86% | 9.81% | 10.84% | 12.63% | Beats 51% | 215 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.86% | 9.81% | 10.84% | 12.63% | Beats 51% | 215 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.59% | 78.33% | 88.38% | 95.61% | 16th pctl | 367 / 435 | |
| Loans / Assets | 64.34% | 67.69% | 74.58% | 80.80% | 18th pctl | 356 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||