Lakeland, FL · Charter 68600
NCUA · 66 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |