Panama City, FL · Charter 68732
NCUA · 9 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
11
Asset Quality
83
Profitability
53
Liquidity
24
Efficiency
65
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 68732
NCUA · 9 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 | 0.47% | 0.41% | 1.24% | 0.85% | 0.83% | 0.81% | 0.71% | 0.85% | -1 bps | |
| Return on Equity | 5.33% | 4.59% | 13.23% | 9.16% | 8.74% | 8.71% | 7.77% | 9.30% | +13 bps | |
| Net Interest Margin | 2.06% | 2.69% | 3.37% | 3.35% | 3.42% | 3.33% | 3.33% | 3.31% | -4 bps | |
| Efficiency Ratio | 77.29% | 81.18% | 71.72% | 75.82% | 76.50% | 76.19% | 74.38% | 72.92% | -289 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.86% | 43.57% | 27.29% | 31.12% | 32.18% | 5.99% | 10.54% | 12.21% | -1,891 bps | |
| Loan Growth (YoY) | 3.46% | 20.86% | 24.38% | 29.64% | 36.38% | 15.47% | 15.29% | 11.67% | -1,797 bps | |
| Share Growth (YoY) | 17.98% | 45.04% | 25.91% | 30.49% | 31.61% | 5.49% | 11.13% | 12.72% | -1,777 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.11% | 0.14% | 0.14% | 0.13% | 0.14% | 0.11% | 0.14% | 0 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 | 8.75% | 8.99% | 9.37% | 9.32% | 9.45% | 9.27% | 9.15% | 9.10% | -23 bps | |
| Net Worth / Assets | 8.75% | 8.99% | 9.37% | 9.32% | 9.45% | 9.27% | 9.15% | 9.10% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.03% | 80.88% | 85.22% | 87.46% | 91.22% | 88.53% | 88.41% | 86.65% | -81 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 98.66% | 0.00% | 0.00% | 0.00% | 0.00% | -9,866 bps | |
Panama City, FL · Charter 68732 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
Return on Assets
0.85%
Rank 738 of 1,683
Net Interest Margin
3.31%
Rank 1,265 of 1,683
Efficiency Ratio
72.92%
Rank 584 of 1,682
Equity / Assets
9.10%
Rank 1,496 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 0.35% | 0.74% | 1.18% | Beats 56% | 738 / 1,683 | ||
| Return on Equity | 9.30% | 2.67% | 5.89% | 8.74% | Beats 79% | 353 / 1,681 | ||
| Net Interest Margin | 3.31% | 3.31% | 3.82% | 4.32% | Beats 25% | 1,265 / 1,683 | ||
| Efficiency Ratio | 72.92% | 68.91% | 78.20% | 86.93% | Beats 65% | 584 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.26% | 0.65% | 1.29% | Beats 83% | 280 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.10% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,496 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.10% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,496 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.65% | 52.61% | 69.38% | 83.50% | 80th pctl | 331 / 1,683 | ||
| Loans / Assets | 77.90% | 44.71% | 59.18% | 70.72% | 89th pctl | 192 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||