Panama City, FL · Charter 68720
NCUA · 7 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
75
Profitability
68
Liquidity
90
Efficiency
67
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.
Panama City, FL · Charter 68720
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 | 0.83% | 0.89% | 0.68% | 0.96% | 1.03% | 1.07% | 1.07% | 1.29% | +33 bps | |
| Return on Equity | 6.37% | 6.65% | 5.09% | 7.16% | 7.77% | 8.11% | 8.10% | 9.58% | +242 bps | |
| Net Interest Margin | 3.43% | 3.48% | 3.61% | 3.65% | 3.68% | 3.68% | 3.71% | 3.70% | +5 bps | |
| Efficiency Ratio | 78.57% | 77.93% | 81.80% | 77.20% | 75.43% | 74.48% | 75.97% | 72.32% | -488 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.08% | 6.71% | 5.91% | 5.68% | 6.10% | 8.84% | 9.14% | 8.46% | +278 bps | |
| Loan Growth (YoY) | 7.32% | 4.48% | 2.84% | 1.83% | 4.02% | 6.16% | 4.28% | 4.60% | +277 bps | |
| Share Growth (YoY) | 7.13% | 6.44% | 5.86% | 4.69% | 5.36% | 8.19% | 8.32% | 7.95% | +326 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.21% | 0.35% | 0.26% | 0.28% | 0.29% | 0.19% | 0.27% | +1 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 | 13.04% | 13.34% | 13.30% | 13.38% | 13.20% | 13.23% | 13.25% | 13.48% | +10 bps | |
| Net Worth / Assets | 13.04% | 13.34% | 13.30% | 13.38% | 13.20% | 13.23% | 13.25% | 13.48% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.36% | 68.46% | 67.94% | 68.28% | 67.49% | 67.18% | 65.41% | 66.16% | -212 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Panama City, FL · Charter 68720 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
Return on Assets
1.29%
Rank 354 of 1,683
Net Interest Margin
3.70%
Rank 937 of 1,683
Efficiency Ratio
72.33%
Rank 552 of 1,682
Equity / Assets
13.48%
Rank 753 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.29% | 0.35% | 0.74% | 1.18% | Beats 79% | 354 / 1,683 | ||
| Return on Equity | 9.58% | 2.67% | 5.89% | 8.74% | Beats 81% | 325 / 1,681 | ||
| Net Interest Margin | 3.70% | 3.31% | 3.82% | 4.32% | Beats 44% | 937 / 1,683 | ||
| Efficiency Ratio | 72.33% | 68.91% | 78.20% | 86.93% | Beats 67% | 552 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.65% | 1.29% | Beats 75% | 426 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.48% | 10.44% | 12.89% | 16.53% | Beats 55% | 753 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.48% | 10.44% | 12.89% | 16.53% | Beats 55% | 753 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.16% | 52.61% | 69.38% | 83.50% | 44th pctl | 946 / 1,683 | ||
| Loans / Assets | 56.43% | 44.71% | 59.18% | 70.72% | 44th pctl | 941 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||