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 | |