Panama City, FL · Charter 68732
NCUA · 9 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 | 0.47% | 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 | |