Tampa, FL · Charter 68645
NCUA · 79 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 | 0.87% | 0.76% | 0.95% | 1.08% | 1.16% | 1.09% | 0.76% | 0.87% | -21 bps | |
| Return on Equity | 8.86% | 7.50% | 9.60% | 10.64% | 11.16% | 10.69% | 7.61% | 8.60% | -204 bps | |
| Net Interest Margin | 2.97% | 3.16% | 3.37% | 3.48% | 3.55% | 3.49% | 3.54% | 3.53% | +4 bps | |
| Efficiency Ratio | 53.23% | 55.43% | 54.84% | 53.43% | 52.82% | 52.96% | 55.03% | 54.62% | +119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.11% | 2.49% | 3.37% | 2.60% | 3.38% | 10.34% | 9.31% | 10.01% | +741 bps | |
| Loan Growth (YoY) | 0.85% | 4.40% | 8.20% | 13.06% | 14.96% | 14.99% | 15.23% | 12.90% | -16 bps | |
| Share Growth (YoY) | 7.46% | 8.66% | 9.63% | 8.45% | 9.18% | 9.68% | 8.99% | 9.92% | +147 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.83% | 0.65% | 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 | 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 | 9.85% | 10.17% | 9.89% | 10.14% | 10.39% | 10.22% | 9.99% | 10.12% | -2 bps | |
| Net Worth / Assets | 9.85% | 10.17% | 9.89% | 10.14% | 10.39% | 10.22% | 9.99% | 10.12% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.25% | 85.93% | 83.45% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |