Panama City, FL · Charter 68720
NCUA · 7 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |