Jacksonville, FL · Charter 1115
NCUA · 4 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
65
Profitability
30
Liquidity
88
Efficiency
20
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.
Jacksonville, FL · Charter 1115
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.41% | 0.44% | 0.05% | 0.23% | -15 bps | |
| Return on Equity | 3.25% | 3.39% | 3.69% | 0.45% | 2.02% | -123 bps | |
| Net Interest Margin | 3.89% | 3.98% | 3.97% | 3.75% | 3.82% | -7 bps | |
| Efficiency Ratio | 86.32% | 86.83% | 87.53% | 90.70% | 88.95% | +263 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.77% | -3.71% | -0.27% | 2.84% | 3.10% | +687 bps | |
| Loan Growth (YoY) | 0.96% | 1.81% | 0.90% | -1.91% | -1.71% | -267 bps | |
| Share Growth (YoY) | -1.16% | -0.47% | 2.91% | 2.54% | 2.56% | +372 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.44% | 0.38% | 0.23% | 0.41% | +15 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 | 11.70% | 12.03% | 12.05% | 11.44% | 11.63% | -7 bps | |
| Net Worth / Assets | 11.70% | 12.03% | 12.05% | 11.44% | 11.63% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.30% | 74.35% | 72.54% | 70.21% | 72.16% | -313 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jacksonville, FL · Charter 1115 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.23%
Rank 1,360 of 1,683
Net Interest Margin
3.83%
Rank 837 of 1,683
Efficiency Ratio
88.93%
Rank 1,345 of 1,682
Equity / Assets
11.63%
Rank 1,053 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.35% | 0.74% | 1.18% | Beats 19% | 1,360 / 1,683 | |
| Return on Equity | 2.02% | 2.67% | 5.89% | 8.74% | Beats 20% | 1,343 / 1,681 | |
| Net Interest Margin | 3.83% | 3.31% | 3.82% | 4.32% | Beats 50% | 837 / 1,683 | |
| Efficiency Ratio | 88.93% | 68.91% | 78.20% | 86.93% | Beats 20% | 1,345 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.41% | 0.26% | 0.65% | 1.29% | Beats 65% | 587 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.63% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,052 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.63% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,053 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.16% | 52.61% | 69.38% | 83.50% | 55th pctl | 756 / 1,683 | |
| Loans / Assets | 63.92% | 44.71% | 59.18% | 70.72% | 61st pctl | 664 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||