Orlando, FL · Charter 68417
NCUA · 32 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 | 1.31% | 1.18% | 0.87% | 0.80% | 1.16% | 1.09% | 0.94% | 0.77% | -4 bps | |
| Return on Equity | 12.75% | 11.02% | 8.42% | 7.71% | 10.77% | 9.85% | 8.73% | 7.04% | -66 bps | |
| Net Interest Margin | 2.16% | 2.24% | 2.41% | 2.41% | 2.46% | 2.49% | 2.59% | 2.48% | +8 bps | |
| Efficiency Ratio | 65.93% | 68.05% | 72.77% | 74.88% | 68.13% | 69.67% | 72.10% | 76.25% | +137 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.75% | 6.81% | 5.07% | 7.29% | 5.51% | 6.94% | 5.97% | 5.58% | -171 bps | |
| Loan Growth (YoY) | 6.35% | 6.54% | 6.56% | 6.81% | 8.52% | 8.71% | 7.45% | 5.33% | -148 bps | |
| Share Growth (YoY) | 3.46% | 7.33% | 8.99% | 9.94% | 8.46% | 5.25% | 4.76% | 4.70% | -524 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.37% | 0.23% | 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 | 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 | 10.28% | 10.69% | 10.34% | 10.38% | 10.77% | 11.08% | 10.82% | 10.86% | +48 bps | |
| Net Worth / Assets | 10.28% | 10.69% | 10.34% | 10.38% | 10.77% | 11.08% | 10.82% | 10.86% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.53% | 72.53% | 69.87% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |