Pensacola, FL · Charter 8442
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 | 0.87% | 0.52% | 0.37% | 0.29% | 0.22% | 0.27% | 0.51% | 0.45% | +16 bps | |
| Return on Equity | 4.59% | 2.80% | 2.04% | 1.61% | 1.24% | 1.48% | 2.88% | 2.49% | +88 bps | |
| Net Interest Margin | 3.09% | 3.01% | 2.86% | 2.88% | 2.98% | 2.95% | 3.06% | 3.11% | +23 bps | |
| Efficiency Ratio | 75.60% | 80.72% | 86.84% | 91.18% | 90.64% | 90.82% | 84.23% | 86.57% | -461 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.08% | -0.45% | 2.96% | 4.81% | 4.96% | 5.60% | 3.94% | 1.59% | -321 bps | |
| Loan Growth (YoY) | 5.60% | 0.41% | -5.17% | -3.26% | -3.45% | 4.19% | 2.61% | 1.56% | +483 bps | |
| Share Growth (YoY) | -1.77% | -1.31% | 2.96% | 5.75% | 5.40% | 5.79% | 3.83% | 1.11% | -464 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.42% | 0.17% | 0.13% | 0.44% | 0.14% | 0.40% | 0.29% | +16 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 | 18.94% | 18.62% | 18.05% | 17.88% | 18.07% | 17.88% | 17.65% | 17.93% | +5 bps | |
| Net Worth / Assets | 18.94% | 18.62% | 18.05% | 17.88% | 18.07% | 17.88% | 17.65% | 17.93% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.06% | 46.68% | 44.73% | 43.97% | 44.94% | 45.98% | 44.20% | 44.17% | +20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |