Merritt Island, FL · Charter 68716
NCUA · 20 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 | 0.36% | 0.34% | 0.20% | 0.21% | 0.45% | 0.53% | 0.21% | 0.29% | +8 bps | |
| Return on Equity | 3.97% | 3.79% | 2.30% | 2.38% | 4.90% | 5.79% | 2.35% | 3.10% | +72 bps | |
| Net Interest Margin | 3.62% | 3.60% | 3.39% | 3.54% | 3.94% | 4.03% | 3.85% | 4.03% | +48 bps | |
| Efficiency Ratio | 84.39% | 85.21% | 87.14% | 89.03% | 82.39% | 80.04% | 86.24% | 85.65% | -337 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.58% | 0.73% | 2.88% | 1.44% | 2.43% | 3.18% | 1.05% | 1.68% | +24 bps | |
| Loan Growth (YoY) | -3.68% | -4.25% | -5.89% | -3.80% | -0.87% | 3.53% | 5.27% | 7.34% | +1,114 bps | |
| Share Growth (YoY) | 0.53% | 0.90% | 2.86% | 3.14% | 3.51% | 4.40% | 2.75% | 1.17% | -197 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.39% | 0.25% | 0.28% | 0.34% | 0.31% | 0.25% | 0.95% | +67 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 | 8.94% | 8.99% | 8.73% | 8.93% | 9.10% | 9.21% | 9.14% | 9.32% | +40 bps | |
| Net Worth / Assets | 8.94% | 8.99% | 8.73% | 8.93% | 9.10% | 9.21% | 9.14% | 9.32% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.89% | 94.48% | 89.78% | 91.13% | 91.83% | 93.69% | 91.98% | 96.69% | +556 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |