Orlando, FL · Charter 68706
NCUA · 7 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 | 0.56% | 0.50% | 0.32% | 0.28% | 0.13% | 0.28% | 0.29% | 0.28% | 0 bps | |
| Return on Equity | 6.88% | 6.09% | 3.67% | 3.17% | 1.47% | 2.93% | 3.22% | 3.31% | +14 bps | |
| Net Interest Margin | 3.48% | 3.42% | 3.60% | 3.68% | 3.75% | 3.94% | 3.70% | 3.64% | -4 bps | |
| Efficiency Ratio | 80.72% | 81.07% | 85.89% | 85.11% | 83.46% | 81.19% | 80.80% | 79.53% | -558 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.34% | 15.93% | 4.01% | 0.46% | -5.41% | -10.96% | 0.40% | 5.51% | +505 bps | |
| Loan Growth (YoY) | -0.54% | -4.00% | -6.05% | -4.23% | -1.73% | 3.70% | 7.33% | 12.87% | +1,710 bps | |
| Share Growth (YoY) | 10.48% | 14.51% | 10.40% | 7.04% | -3.13% | -7.00% | -0.17% | 5.74% | -130 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 0.96% | 1.32% | 1.23% | 1.03% | 0.88% | 0.78% | 0.53% | -70 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 | 8.12% | 8.22% | 8.82% | 8.88% | 8.91% | 9.42% | 8.96% | 8.61% | -28 bps | |
| Net Worth / Assets | 8.12% | 8.22% | 8.82% | 8.88% | 8.91% | 9.42% | 8.96% | 8.61% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.96% | 78.73% | 77.25% | 78.36% | 84.16% | 87.79% | 83.06% | 83.64% | +528 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 97.15% | 0.00% | 0 bps | |