Lakeland, FL · Charter 68600
NCUA · 66 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
46
Asset Quality
74
Profitability
70
Liquidity
82
Efficiency
81
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.
Lakeland, FL · Charter 68600
NCUA · 66 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 | 1.37% | 1.35% | 1.28% | 1.35% | 1.40% | 1.39% | 1.24% | 1.27% | -7 bps | |
| Return on Equity | 13.02% | 12.66% | 12.29% | 12.61% | 12.79% | 12.42% | 11.98% | 11.93% | -68 bps | |
| Net Interest Margin | 2.96% | 2.97% | 3.00% | 3.09% | 3.14% | 3.18% | 3.04% | 3.18% | +9 bps | |
| Efficiency Ratio | 59.90% | 59.54% | 60.40% | 59.95% | 59.16% | 59.56% | 59.85% | 62.65% | +270 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.02% | 8.22% | 8.67% | 8.59% | 9.04% | 7.96% | 14.51% | 13.14% | +454 bps | |
| Loan Growth (YoY) | 7.88% | 8.46% | 10.64% | 12.18% | 9.84% | 8.91% | 17.37% | 13.96% | +178 bps | |
| Share Growth (YoY) | 8.29% | 8.00% | 8.78% | 8.59% | 9.19% | 7.63% | 17.76% | 16.56% | +797 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.40% | 0.29% | 0.35% | 0.34% | 0.39% | 0.35% | 0.46% | +12 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 | 10.54% | 10.66% | 10.45% | 10.71% | 10.95% | 11.20% | 10.33% | 10.69% | -2 bps | |
| Net Worth / Assets | 10.54% | 10.66% | 10.45% | 10.71% | 10.95% | 11.20% | 10.33% | 10.69% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.78% | 92.54% | 90.65% | 93.01% | 92.33% | 93.64% | 90.35% | 90.94% | -207 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lakeland, FL · Charter 68600 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 66 branches
Q2 2026
Return on Assets
1.27%
Rank 71 of 435
Net Interest Margin
3.18%
Rank 278 of 435
Efficiency Ratio
62.65%
Rank 85 of 435
Equity / Assets
10.69%
Rank 235 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.27% | 0.55% | 0.81% | 1.14% | Beats 84% | 71 / 435 | ||
| Return on Equity | 11.93% | 5.12% | 7.41% | 9.70% | Beats 89% | 48 / 435 | ||
| Net Interest Margin | 3.18% | 3.01% | 3.39% | 3.75% | Beats 36% | 278 / 435 | ||
| Efficiency Ratio | 62.65% | 65.25% | 71.39% | 77.86% | Beats 81% | 85 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.46% | 0.45% | 0.69% | 1.05% | Beats 74% | 116 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.69% | 9.81% | 10.84% | 12.63% | Beats 46% | 235 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.69% | 9.81% | 10.84% | 12.63% | Beats 46% | 235 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.94% | 78.33% | 88.38% | 95.61% | 59th pctl | 179 / 435 | ||
| Loans / Assets | 80.17% | 67.69% | 74.58% | 80.80% | 71st pctl | 124 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||