Orlando, FL · Charter 9915
NCUA · 16 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% | 0.38% | 0.51% | 0.59% | 0.60% | 0.60% | 0.36% | 0.39% | -21 bps | |
| Return on Equity | 3.40% | 3.75% | 5.02% | 5.75% | 5.83% | 5.87% | 3.52% | 3.69% | -206 bps | |
| Net Interest Margin | 2.82% | 2.92% | 3.01% | 3.09% | 3.12% | 3.07% | 3.11% | 3.22% | +13 bps | |
| Efficiency Ratio | 78.84% | 77.71% | 73.05% | 72.63% | 73.40% | 73.47% | 77.20% | 78.80% | +618 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.85% | 0.42% | -1.92% | -1.41% | 0.85% | 6.45% | 4.90% | 3.34% | +475 bps | |
| Loan Growth (YoY) | 2.20% | 1.02% | 2.22% | -0.23% | 0.45% | 0.42% | 1.76% | 5.68% | +592 bps | |
| Share Growth (YoY) | 3.68% | 0.38% | -2.90% | -2.61% | -0.07% | 5.75% | 6.69% | 5.15% | +776 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.55% | 0.27% | 0.43% | 0.40% | 0.46% | 0.53% | 0.59% | +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 | 9.82% | 10.20% | 10.18% | 10.28% | 10.31% | 10.18% | 10.27% | 10.45% | +18 bps | |
| Net Worth / Assets | 9.82% | 10.20% | 10.18% | 10.28% | 10.31% | 10.18% | 10.27% | 10.45% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.99% | 79.90% | 79.37% | 78.11% | 78.39% | 75.87% | 75.70% | 78.51% | +40 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |