McCoy
Orlando, FL · Charter 9915 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
$1.0BAssets
$707.1MLoans
$900.7MShares
$106.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 61% of credit unions $1B-$10B in assets (rank 170 of 435).
- Widest gap: return on assets trails 85% of credit unions $1B-$10B in assets (rank 369 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.39%
Rank 369 of 435
Net Interest Margin
3.22%
Rank 268 of 435
Efficiency Ratio
78.80%
Rank 347 of 435
Equity / Assets
10.45%
Rank 263 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.39% | 0.55% | 0.81% | 1.14% | Beats 15% | 369 / 435 | |
| Return on Equity | 3.69% | 5.12% | 7.41% | 9.70% | Beats 16% | 367 / 435 | |
| Net Interest Margin | 3.22% | 3.01% | 3.39% | 3.75% | Beats 38% | 268 / 435 | |
| Efficiency Ratio | 78.80% | 65.25% | 71.39% | 77.86% | Beats 20% | 347 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.45% | 0.69% | 1.05% | Beats 61% | 170 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.45% | 9.81% | 10.84% | 12.63% | Beats 40% | 263 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.45% | 9.81% | 10.84% | 12.63% | Beats 40% | 263 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 78.51% | 78.33% | 88.38% | 95.61% | 26th pctl | 323 / 435 | |
| Loans / Assets | 69.23% | 67.69% | 74.58% | 80.80% | 31st pctl | 301 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |