Pensacola, FL · Charter 68694
NCUA · 13 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 | 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 | |