Tampa, FL · Charter 9976
NCUA · 28 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.23% | 1.04% | 0.98% | 0.38% | 0.74% | -49 bps | |
| Return on Equity | 11.06% | 9.23% | 8.74% | 3.52% | 6.56% | -450 bps | |
| Net Interest Margin | 3.52% | 3.60% | 3.62% | 3.59% | 3.68% | +16 bps | |
| Efficiency Ratio | 65.03% | 67.02% | 67.85% | 71.68% | 67.38% | +235 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.11% | 0.67% | 2.00% | 2.95% | 3.58% | +47 bps | |
| Loan Growth (YoY) | 7.28% | 5.67% | 5.83% | 3.72% | 4.40% | -288 bps | |
| Share Growth (YoY) | 8.16% | 4.67% | 1.94% | 1.66% | 2.00% | -616 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.08% | 11.28% | 11.22% | 10.88% | 11.23% | +15 bps | |
| Net Worth / Assets | 11.08% | 11.28% | 11.22% | 10.88% | 11.23% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |