Key West, FL · Charter 7039
NCUA · 2 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 | 0.33% | 0.33% | 0.61% | 0.50% | 0.21% | -0.12% | -2.10% | -1.97% | -247 bps | |
| Return on Equity | 3.28% | 3.36% | 6.29% | 5.03% | 2.17% | -1.31% | -22.24% | -21.01% | -2,603 bps | |
| Net Interest Margin | 2.85% | 2.89% | 3.20% | 3.20% | 3.13% | 3.13% | 2.83% | 3.14% | -6 bps | |
| Efficiency Ratio | 80.34% | 80.36% | 73.79% | 80.06% | 81.92% | 86.72% | 122.07% | 107.93% | +2,788 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.15% | 3.43% | 5.53% | 3.21% | 7.01% | 1.34% | -6.52% | -9.34% | -1,255 bps | |
| Loan Growth (YoY) | 16.50% | 13.91% | 10.51% | 1.66% | -5.22% | -9.11% | -16.66% | -15.32% | -1,697 bps | |
| Share Growth (YoY) | -4.93% | 3.71% | 6.14% | 3.56% | 7.63% | 1.66% | -6.54% | -9.03% | -1,259 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 1.18% | 1.37% | 1.45% | 0.69% | 1.27% | 1.13% | 2.09% | +63 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 | 10.04% | 9.85% | 9.69% | 9.86% | 9.55% | 9.51% | 9.46% | 9.39% | -47 bps | |
| Net Worth / Assets | 10.04% | 9.85% | 9.69% | 9.86% | 9.55% | 9.51% | 9.46% | 9.39% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.42% | 85.28% | 82.49% | 81.62% | 76.98% | 76.24% | 73.56% | 75.98% | -564 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |