Gainesville, FL · Charter 68723
NCUA · 11 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 | 0.61% | 0.58% | 0.54% | 0.63% | 0.69% | 0.69% | 0.53% | 0.59% | -5 bps | |
| Return on Equity | 6.71% | 6.41% | 6.07% | 7.14% | 7.58% | 6.93% | 5.47% | 6.18% | -96 bps | |
| Net Interest Margin | 3.40% | 3.36% | 3.51% | 3.57% | 3.63% | 3.12% | 3.68% | 3.64% | +8 bps | |
| Efficiency Ratio | 76.62% | 76.37% | 78.76% | 77.21% | 76.22% | 75.40% | 80.12% | 78.23% | +102 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.79% | 6.45% | 6.69% | 7.35% | 6.24% | 23.64% | 23.84% | 25.23% | +1,789 bps | |
| Loan Growth (YoY) | 2.22% | 3.91% | 5.25% | 7.11% | 5.57% | 12.54% | 10.37% | 7.76% | +66 bps | |
| Share Growth (YoY) | 4.73% | 7.03% | 7.40% | 7.98% | 5.98% | 23.04% | 23.56% | 25.43% | +1,745 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.59% | 0.56% | 0.51% | 0.63% | 0.54% | 0.45% | 0.47% | -3 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 | 9.03% | 9.02% | 8.86% | 8.89% | 9.10% | 9.89% | 9.59% | 9.50% | +61 bps | |
| Net Worth / Assets | 9.03% | 9.02% | 8.86% | 8.89% | 9.10% | 9.89% | 9.59% | 9.50% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.00% | 88.45% | 87.30% | 87.63% | 88.65% | 80.90% | 77.98% | 75.29% | -1,234 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |