Tampa, FL · Charter 9976
NCUA · 28 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
58
Profitability
50
Liquidity
71
Efficiency
67
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Tampa, FL · Charter 9976
NCUA · 28 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 | 0.88% | 0.65% | 0.69% | 1.23% | 1.04% | 0.98% | 0.38% | 0.74% | -49 bps | |
| Return on Equity | 8.19% | 6.12% | 6.53% | 11.06% | 9.23% | 8.74% | 3.52% | 6.56% | -450 bps | |
| Net Interest Margin | 3.17% | 3.24% | 3.40% | 3.52% | 3.60% | 3.62% | 3.59% | 3.68% | +16 bps | |
| Efficiency Ratio | 68.27% | 71.56% | 73.11% | 65.03% | 67.02% | 67.85% | 71.68% | 67.38% | +235 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.49% | 5.58% | 2.91% | 3.11% | 0.67% | 2.00% | 2.95% | 3.58% | +47 bps | |
| Loan Growth (YoY) | 2.31% | 4.08% | 6.70% | 7.28% | 5.67% | 5.83% | 3.72% | 4.40% | -288 bps | |
| Share Growth (YoY) | 3.09% | 6.01% | 9.37% | 8.16% | 4.67% | 1.94% | 1.66% | 2.00% | -616 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.61% | 0.47% | 0.47% | 0.47% | 0.48% | 0.37% | 0.60% | +14 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 | 10.80% | 10.65% | 10.51% | 11.08% | 11.28% | 11.22% | 10.88% | 11.23% | +15 bps | |
| Net Worth / Assets | 10.80% | 10.65% | 10.51% | 11.08% | 11.28% | 11.22% | 10.88% | 11.23% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.49% | 90.17% | 89.02% | 90.33% | 92.36% | 93.61% | 90.82% | 92.46% | +213 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tampa, FL · Charter 9976 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 28 branches
Q2 2026
Return on Assets
0.74%
Rank 256 of 435
Net Interest Margin
3.68%
Rank 128 of 435
Efficiency Ratio
67.38%
Rank 146 of 435
Equity / Assets
11.23%
Rank 186 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.74% | 0.55% | 0.81% | 1.14% | Beats 41% | 256 / 435 | ||
| Return on Equity | 6.56% | 5.12% | 7.41% | 9.70% | Beats 39% | 264 / 435 | ||
| Net Interest Margin | 3.68% | 3.01% | 3.39% | 3.75% | Beats 71% | 128 / 435 | ||
| Efficiency Ratio | 67.38% | 65.25% | 71.39% | 77.86% | Beats 67% | 146 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.60% | 0.45% | 0.69% | 1.05% | Beats 58% | 182 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.23% | 9.81% | 10.84% | 12.63% | Beats 57% | 186 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.23% | 9.81% | 10.84% | 12.63% | Beats 57% | 186 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.46% | 78.33% | 88.38% | 95.61% | 63rd pctl | 161 / 435 | ||
| Loans / Assets | 75.87% | 67.69% | 74.58% | 80.80% | 55th pctl | 195 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||