PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Grow Financial

Tampa, FL · Charter 9976

NCUA · 28 branches

Q2 2026

$3.9BAssets
$3.0BLoans
$3.2BShares
$439.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.74%, down 49 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.60% of loans (+14 bps YoY).
  • Capital: net worth / assets of 11.23%, up 15 bps from a year ago.
  • Funding: loans stand at 92.46% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.74%-49 bps YoY

Net Interest Margin (quarter, annualized)

3.68%+16 bps YoY

Efficiency Ratio (quarter, annualized)

67.38%+235 bps YoY

Net Worth / Assets

11.23%+15 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.65%0.69%1.23%1.04%0.98%0.38%0.74%-49 bps
Return on Equity8.19%6.12%6.53%11.06%9.23%8.74%3.52%6.56%-450 bps
Net Interest Margin3.17%3.24%3.40%3.52%3.60%3.62%3.59%3.68%+16 bps
Efficiency Ratio68.27%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 / Loans0.50%0.61%0.47%0.47%0.47%0.48%0.37%0.60%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.80%10.65%10.51%11.08%11.28%11.22%10.88%11.23%+15 bps
Net Worth / Assets10.80%10.65%10.51%11.08%11.28%11.22%10.88%11.23%+15 bps
Liquidity & Funding
Loans / Shares91.49%90.17%89.02%90.33%92.36%93.61%90.82%92.46%+213 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps