Pensacola, FL · Charter 68734
NCUA · 14 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 | 0.48% | 0.62% | 0.44% | 0.53% | 0.63% | 0.59% | 0.39% | 0.43% | -10 bps | |
| Return on Equity | 4.21% | 5.14% | 3.51% | 4.34% | 5.24% | 5.10% | 3.39% | 3.71% | -62 bps | |
| Net Interest Margin | 2.88% | 3.06% | 3.21% | 3.17% | 3.09% | 3.00% | 3.03% | 3.03% | -14 bps | |
| Efficiency Ratio | 69.33% | 70.00% | 78.59% | 76.12% | 73.72% | 73.78% | 79.11% | 78.66% | +254 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.53% | -16.95% | -19.81% | -12.48% | -0.89% | 7.77% | 10.61% | 9.87% | +2,235 bps | |
| Loan Growth (YoY) | 3.36% | 2.60% | 2.86% | 3.74% | 5.40% | 7.65% | 8.92% | 11.05% | +730 bps | |
| Share Growth (YoY) | -0.78% | -4.09% | -5.88% | -2.03% | 5.79% | 11.86% | 10.73% | 10.43% | +1,245 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 0.79% | 0.51% | 0.55% | 0.60% | 0.74% | 0.58% | 0.60% | +4 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 | 11.46% | 12.04% | 12.41% | 12.24% | 12.04% | 11.56% | 11.60% | 11.48% | -76 bps | |
| Net Worth / Assets | 11.46% | 12.04% | 12.41% | 12.24% | 12.04% | 11.56% | 11.60% | 11.48% | -76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.05% | 71.84% | 71.67% | 71.26% | 69.79% | 69.14% | 70.49% | 71.66% | +40 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |