Tampa, FL · Charter 68645
NCUA · 79 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 any (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
40
Asset Quality
52
Profitability
52
Liquidity
100
Efficiency
76
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.
Tampa, FL · Charter 68645
NCUA · 79 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 | 1.08% | 1.16% | 1.09% | 0.76% | 0.87% | -21 bps | |
| Return on Equity | 10.64% | 11.16% | 10.69% | 7.61% | 8.60% | -204 bps | |
| Net Interest Margin | 3.48% | 3.55% | 3.49% | 3.54% | 3.53% | +4 bps | |
| Efficiency Ratio | 53.43% | 52.82% | 52.96% | 55.03% | 54.62% | +119 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.60% | 3.38% | 10.34% | 9.31% | 10.01% | +741 bps | |
| Loan Growth (YoY) | 13.06% | 14.96% | 14.99% | 15.23% | 12.90% | -16 bps | |
| Share Growth (YoY) | 8.45% | 9.18% | 9.68% | 8.99% | 9.92% | +147 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.85% | 0.97% | 0.85% | 0.92% | +16 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 | 10.14% | 10.39% | 10.22% | 9.99% | 10.12% | -2 bps | |
| Net Worth / Assets | 10.14% | 10.39% | 10.22% | 9.99% | 10.12% | -2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.41% | 89.76% | 90.09% | 88.22% | 88.75% | +234 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tampa, FL · Charter 68645 · Peer group: credit unions any (n=25)
NCUA · 79 branches
Q2 2026
Return on Assets
0.87%
Rank 15 of 25
Net Interest Margin
3.53%
Rank 6 of 25
Efficiency Ratio
54.62%
Rank 7 of 25
Equity / Assets
10.12%
Rank 15 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.54% | 0.87% | 1.36% | Beats 40% | 15 / 25 | |
| Return on Equity | 8.60% | 5.49% | 9.20% | 10.99% | Beats 40% | 15 / 25 | |
| Net Interest Margin | 3.53% | 2.86% | 3.13% | 3.50% | Beats 76% | 6 / 25 | |
| Efficiency Ratio | 54.62% | 54.62% | 61.07% | 70.28% | Beats 76% | 7 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.92% | 0.64% | 0.92% | 1.30% | Beats 52% | 13 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.12% | 9.55% | 10.72% | 11.84% | Beats 40% | 15 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.12% | 9.55% | 10.72% | 11.84% | Beats 40% | 15 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.75% | 81.23% | 88.75% | 93.33% | 48th pctl | 13 / 25 | |
| Loans / Assets | 78.26% | 68.82% | 78.26% | 79.51% | 48th pctl | 13 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||