Pensacola, FL · Charter 68694
NCUA · 13 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
28
Asset Quality
76
Profitability
66
Liquidity
63
Efficiency
61
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.
Pensacola, FL · Charter 68694
NCUA · 13 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 | 0.60% | 0.66% | 0.95% | 1.10% | 1.11% | 0.90% | 0.85% | 0.91% | -19 bps | |
| Return on Equity | 6.18% | 6.62% | 9.53% | 10.67% | 10.73% | 8.75% | 8.53% | 9.18% | -149 bps | |
| Net Interest Margin | 3.03% | 3.17% | 3.57% | 3.69% | 3.69% | 3.66% | 3.63% | 3.64% | -5 bps | |
| Efficiency Ratio | 75.26% | 72.94% | 66.15% | 65.41% | 64.91% | 67.53% | 69.31% | 68.46% | +305 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.55% | 7.33% | 5.93% | 2.67% | 2.75% | 5.41% | 8.73% | 12.46% | +978 bps | |
| Loan Growth (YoY) | 17.32% | 16.82% | 16.64% | 8.27% | 3.09% | 2.69% | 7.16% | 12.34% | +406 bps | |
| Share Growth (YoY) | 11.12% | 7.83% | 7.91% | 2.51% | 0.85% | 5.17% | 6.86% | 12.78% | +1,027 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.63% | 0.61% | 0.65% | 0.59% | 0.78% | 0.53% | 0.44% | -22 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 | 9.64% | 9.97% | 9.93% | 10.28% | 10.37% | 10.31% | 9.94% | 9.90% | -38 bps | |
| Net Worth / Assets | 9.64% | 9.97% | 9.93% | 10.28% | 10.37% | 10.31% | 9.94% | 9.90% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.76% | 80.33% | 77.05% | 79.94% | 80.51% | 78.43% | 77.27% | 79.63% | -31 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pensacola, FL · Charter 68694 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
Return on Assets
0.91%
Rank 173 of 435
Net Interest Margin
3.64%
Rank 141 of 435
Efficiency Ratio
68.46%
Rank 170 of 435
Equity / Assets
9.90%
Rank 313 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.55% | 0.81% | 1.14% | Beats 60% | 173 / 435 | ||
| Return on Equity | 9.18% | 5.12% | 7.41% | 9.70% | Beats 70% | 131 / 435 | ||
| Net Interest Margin | 3.64% | 3.01% | 3.39% | 3.75% | Beats 68% | 141 / 435 | ||
| Efficiency Ratio | 68.46% | 65.25% | 71.39% | 77.86% | Beats 61% | 170 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.44% | 0.45% | 0.69% | 1.05% | Beats 76% | 104 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.90% | 9.81% | 10.84% | 12.63% | Beats 28% | 313 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.90% | 9.81% | 10.84% | 12.63% | Beats 28% | 313 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.63% | 78.33% | 88.38% | 95.61% | 28th pctl | 313 / 435 | ||
| Loans / Assets | 71.20% | 67.69% | 74.58% | 80.80% | 37th pctl | 275 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||