Lake Mary, FL · Charter 68702
NCUA · 26 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
31
Asset Quality
13
Profitability
47
Liquidity
0
Efficiency
26
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.
Lake Mary, FL · Charter 68702
NCUA · 26 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 | 1.10% | 0.63% | 1.55% | 0.93% | 0.79% | 0.39% | 0.47% | 0.70% | -23 bps | |
| Return on Equity | 10.03% | 6.00% | 14.67% | 8.99% | 7.99% | 3.96% | 4.80% | 6.96% | -203 bps | |
| Net Interest Margin | 3.40% | 3.26% | 2.91% | 2.91% | 2.91% | 2.59% | 3.39% | 3.53% | +61 bps | |
| Efficiency Ratio | 67.85% | 71.64% | 62.89% | 67.23% | 68.59% | 72.68% | 81.72% | 77.48% | +1,024 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.89% | -6.08% | -4.85% | -0.25% | 11.57% | 39.18% | 34.42% | 29.92% | +3,017 bps | |
| Loan Growth (YoY) | -10.00% | -7.95% | -14.86% | -12.75% | -11.16% | 17.94% | 26.82% | 27.67% | +4,041 bps | |
| Share Growth (YoY) | -0.34% | 2.47% | 5.36% | 8.68% | 12.42% | 40.05% | 32.48% | 30.91% | +2,223 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.82% | 0.71% | 0.71% | 0.74% | 1.16% | 1.10% | 1.40% | +69 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 | 10.98% | 10.55% | 10.56% | 10.30% | 9.92% | 9.72% | 9.82% | 10.01% | -29 bps | |
| Net Worth / Assets | 10.98% | 10.55% | 10.56% | 10.30% | 9.92% | 9.72% | 9.82% | 10.01% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.38% | 76.45% | 65.90% | 63.85% | 61.94% | 64.38% | 63.09% | 62.27% | -158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lake Mary, FL · Charter 68702 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 26 branches
Q2 2026
Return on Assets
0.70%
Rank 273 of 435
Net Interest Margin
3.53%
Rank 173 of 435
Efficiency Ratio
77.48%
Rank 322 of 435
Equity / Assets
10.01%
Rank 302 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.70% | 0.55% | 0.81% | 1.14% | Beats 37% | 273 / 435 | ||
| Return on Equity | 6.96% | 5.12% | 7.41% | 9.70% | Beats 45% | 240 / 435 | ||
| Net Interest Margin | 3.53% | 3.01% | 3.39% | 3.75% | Beats 60% | 173 / 435 | ||
| Efficiency Ratio | 77.48% | 65.25% | 71.39% | 77.86% | Beats 26% | 322 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.40% | 0.45% | 0.69% | 1.05% | Beats 13% | 380 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.01% | 9.81% | 10.84% | 12.63% | Beats 31% | 302 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.01% | 9.81% | 10.84% | 12.63% | Beats 31% | 302 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.27% | 78.33% | 88.38% | 95.61% | 8th pctl | 399 / 435 | ||
| Loans / Assets | 55.91% | 67.69% | 74.58% | 80.80% | 11th pctl | 389 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||